No Annual Fee Credit Cards

No Annual Fee Credit Cards

Do you hate Annual Fees? Then these cards are right for you. They have no annual Fee and offer low introductory interest rates.



Blue Cash? from American Express

Blue Cash Everyday(SM) Card from American Express

Short Card Review

The Blue Cash Everyday℠ Card from American Express earns you rewards for every purchase you make, no matter where you go! Earn a $100 cash back bonus when you charge $1,000 in purchases in your first 3 months! Perfect for those who are financially responsible, this …

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Intro AprBalance TransferOngoing APRAnnual FeeCard Category
0.00%Either $5 or 3% of the amount of each transfer, whichever is greater.17.24%-22.24% Variable$0Reward – Cash

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The Blue Cash Everyday℠ Card from American Express is an ideal cash rewards credit card that gives you flexibility to make your payments over time – all without any annual fee!

The Blue Cash Everyday℠ Card from American Express has several great incentives for new cardmembers: sign up today and you’ll be eligible to earn a $100 cash back bonus when you spend $1,000 in the first 3 months of membership! Plus, you’ll enjoy an introductory 0% APR for 12 months on purchases.

Card members will easily earn rewards at almost any turn, with cash back rewards on everything from grocery shopping to filling your car with gas. Receive a significant 3% cash back at supermarkets, 2% cash back at gas stations and department stores and 1% cash back on every other purchase you make.

With the Blue Cash Everyday℠ Card from American Express, there is NO spending minimum, NO enrollment fee and NO rotating rewards or spending categories, thus providing you more freedom to shop and buy things you need.

For your everyday purchases, the Blue Cash Everyday℠ Card from American Express is the credit card you’ve been looking for. Enjoy the perks and around-the-clock cash back rewards it has to offer today!
 
 
SimplyCash

SimplyCash® Business Card from American Express OPEN

Short Card Review

The SimplyCash® Business Card from American Express OPEN is designed for those with very good credit and who plan to take advantage of the cash back reward program with no additional fee. You’ll earn a 5% rebate on office supplies and wireless services, a 3% rebate on …

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Intro AprBalance TransferOngoing APRAnnual FeeCard Category
0.00%n/a12.24% – 19.24% Variable$0Business

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The SimplyCash® Business Card from American Express OPEN is designed for those with very good credit and who plan to take advantage of the cash back reward program.

Cardholders have access to the cash back reward program for no additional fee. Through the reward program, cardholders earn a 5% rebate on office supplies and wireless services, a 3% rebate on automobile gas, and a 1% rebate on all other purchases. Rebates are automatically credited to the cardholder's statement each month, and there is no limit to the amount of cash back that can be earned.

The card has no annual fee, and it has a low interest rate for purchases. Cardholders can also take advantage of the 0% introductory rate on purchases for up to 12 months.

As with all business credit cards issued by American Express®, cardholders will be able to take advantage of various additional services and benefits. Some of the benefits include travel accident insurance, purchase protection, and special discounts from select retailers.

Therefore, those who plan to make qualified purchases to receive the 5% rebate, would like the option to carry a balance, and will take advantage of the introductory offers will benefit most from what the SimplyCash® Business Card from American Express OPEN has to offer.
 
 
Chase Ink℠ with Ultimate Rewards℠

Ink℠ Classic Business – Up to 25,000 Bonus Points

Short Card Review

The Ink℠ Classic Business – Up to 25,000 Bonus Points credit card from Chase is designed exclusively for business owners. This business credit card offers cardholders greater purchasing power, higher level rewards, and premium business benefits. Ink℠ Classic Business …

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Intro AprBalance TransferOngoing APRAnnual FeeCard Category
0.00%Either $15 or 5% of the amount of each transfer, whichever is greater.13.24% – 19.24% Variable*$0Business

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The Ink℠ Classic Business – Up to 25,000 Bonus Points credit card from Chase is designed exclusively for business owners. This business credit card offers cardholders greater purchasing power, higher level rewards, and premium business benefits.

The Ink℠ Classic Business – Up to 25,000 Bonus Points has a special offer for new cardholder accounts only: Earn up to 25,000 bonus points for your first purchase and initial spending! Earn 15,000 bonus points for your first purchase, and an additional 10,000 bonus points when you spend $5,000 within your first 3 months!

The Ink℠ Classic Business – Up to 25,000 Bonus Points card offers global acceptance and flexible spending capacity that adjusts with your business needs. There is a 0% APR introductory offer on purchases and balance transfers for 6 months with a low interest rate thereafter, plus there is no annual fee.

Cardholders earn 1 point for every $1 spent on purchases, so no dollar goes unrewarded. You will also earn 2 points for every $1 spent on the first $25,000 worth of gasoline and lodging. Plus, you’ll earn 5x points per $1 on the first $25,000 spent annually on office supplies, wireless services, landline communication and cable services.

Cardholders also enjoy enrollment in Ultimate Rewards℠, a convenient self-service site that can assist you with travel plans. Business owners can obtain free additional cards for their employees, and earn rewards from their purchases. Easily track and manage employee spending through customized reports and alerts and by setting individual spending limits in real-time.

Beyond the rewards program, the Ink℠ Classic Business – Up to 25,000 Bonus Points credit card offers several benefits for business owners. Therefore, those who plan to take advantage of the rewards program and want to take advantage of the 0% APR introductory rate will benefit most from what this card has to offer.
 
 
Chase Freedom? Visa - $100 Bonus Cash Back (0% APR)

Chase Freedom® Visa – $100 Bonus Cash Back + 0% Intro APR

Short Card Review

The Chase Freedom® Visa – $100 Bonus Cash Back + 0% Intro APR credit card is designed for those who want a card that allows them to earn cash rewards for everyday purchases. Cardholders always earn a full 1% cash back on every purchase, 5% Cash Back on up to $1,500 …

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Intro AprBalance TransferOngoing APRAnnual FeeCard Category
0.00%Either $5.00 or 3% of the amount of each transfer, whichever is greater.As low as 11.99% Variable$0Reward – Cash

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The Chase Freedom® Visa – $100 Bonus Cash Back + 0% Intro APR credit card, issued by Chase, is designed for those who have good or excellent credit and who plan to take advantage of the cash rewards program.

Through the rewards program, cardholders earn 5% Cash Back on up to $1,500 spent at gas stations and on Amazon.com from 1/1/12 – 3/31/12. You’ll enjoy new 5% categories every 3 months. It’s free and easy to activate your bonus each quarter!

Up to 10% cash back at select merchants can be earned when you shop online through Chase. Cardholders will also earn a 1% rebate for each $1 of net purchases.

There are no spending tiers or earning caps, and cash rebates never expire. Plus, cardholders will receive a $100 cash back bonus after spending just $500 within the first three months of the account opening!

The Chase Freedom® Visa – $100 Bonus Cash Back + 0% APR card offers a 0% introductory rate on balance transfers for 12 months, and on purchases for 6 months. There is no annual fee and a reasonable APR for purchases for those who qualify. Therefore, those who plan to take advantage of the cash rewards program will benefit most from what Chase Freedom® Visa – $100 Bonus Cash Back + 0% Intro APR has to offer.
 
 
IberiaBank Visa® Gold Cash Back Rewards Card

IberiaBank Visa® Gold Cash Back Rewards Card

Short Card Review

The IberiaBank Visa® Gold Cash Back Rewards Card issued by IberiaBank is a no annual fee Gold Card. The card, which already comes with a low rate, also has a low introductory 1.99% APR for your first 6 months. This rate can only be applied to balance transfers that occur …

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Intro AprBalance TransferOngoing APRAnnual FeeCard Category
1.99%2% of transfer amount9.25%, 12.25%, or 15.25%*$0Reward – Cash

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The IberiaBank Visa® Gold Cash Back Rewards Card issued by IberiaBank is a cash rewards credit card that gives members a low variable rate. The APR will be determined by creditworthiness and will vary based on market conditions.

Balance transfers with this no annual fee card that you enact within the first three months of opening your account will enjoy an even lower APR of 1.99% as an introductory rate for the first 6 months. This lower rate will be fixed, and won’t change during your introductory period.

Qualifying purchases earn you cash back rewards – specifically, a 1% cash back credit. There is also no limit on cash back credits and no expiration date on eligibility, provided your account remains in good standing.

It also gives you confidence and purchase power: In the event that something unplanned or unfortunate occurs, as a cardholder you’re covered with travel accident coverage up to $500,000.

Keeping track of your credit card account is also easy, as the IberiaBank Visa® Gold Cash Back Rewards Card provides safe, convenient online access to your credit card account information.

Whether you’re a frequent traveler, or simply just searching for a great benefit filled credit card, adding the IberiaBank Visa Gold Cash Back Rewards Card to your financial portfolio means having a card that you can use anywhere that Visa is accepted.
 
 

Discover® Motiva Card

Short Card Review

If you have very good credit and are looking for a cash back rewards card, then the Discover® Motiva Card may be the right card for you. You’ll receive a 0% intro APR on purchases and balance transfers for 15 months. Through the rewards program, cardholders earn a 5% to 20% …

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Intro AprBalance TransferOngoing APRAnnual FeeCard Category
0.00%3% of the amount of each transfer, with the 0% introductory APR balance transfer offer described above; otherwise, either $10 or 5% of the amount of each transfer, whichever is greater.10.99% – 20.99% (V)*$0Reward – Cash

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The Discover® Motiva Card, issued by Discover, is designed for those with very good credit who are looking to earn cash rewards by paying on time and making purchases.

Start off with a 0% intro APR on purchases and balance transfers for 15 months. A low, variable APR applies thereafter, based on your credit worthiness and the prime rate.

Through the rewards program, cardholders earn a 5% to 20% Cashback Bonus® at top retailers through Discover's exclusive online shopping site, and they get up to a 1% Cashback Bonus® on all other purchases.

There is no yearly limit on the amount of rebates that can be earned, and rebates do not expire as long as the account is active within an 18-month period.

Cardholders will also be eligible to earn a pay-on-time bonus. Each time cardholders make six on-time payments in a row they will receive a credit towards the payment of their next month's interest. Cardholders will be eligible to receive the pay-on-time bonus twice a year, every year monthly payments are received on time.

The card has no annual fee, an attractive 0% introductory rate on purchases and balance transfers for 15 months. The APR for this card is reasonable for those who qualify.

In addition to the rewards program, the Discover® Motiva Card also provides several cardholder benefits, including up to $500,000 in travel accident insurance, auto rental insurance, and various fraud and security protection services.

Therefore, those who plan to spend over $3,000 a year (to earn the 1% cash rebate), plan to use their Cashback Bonus® award at participating online retailers (to earn additional cash rebates), plan to take advantage of the special 0% introductory rate before it expires, and pay on time every month will benefit most from what the Discover® Motiva Card has to offer.

*It is important to note that like many cash reward cards, the highest rebate offered will not apply to all purchases made with the credit card. In this case, 1% will be applied only to those purchases made after the cardholder spends over $3,000 in one year, so the overall cash rebate earned will be less than 1%, depending on the amount spent. For instance, if the cardholder were to spend $4,000, only $1,000 of this amount would be applied towards the 1% rebate. However, this does not take into account any promotional offers.
 
 
Iberiabank Visa? Platinum Rewards Card

IberiaBank Visa® Platinum Rewards Card

Short Card Review

The IberiaBank Visa® Platinum Rewards Card is a rewards credit card that earns ScoreCard bonus points for every purchase made on the card. Members of the card earn 1 bonus point per $1 dollar spent on purchases. You can then redeem those points for merchandise, travel and …

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Intro AprBalance TransferOngoing APRAnnual FeeCard Category
1.99%2% of transfer amount9.25%, 12.25%, or 15.25%*$0Reward – Other

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The IberiaBank Visa® Platinum Rewards Card issued by IberiaBank is a premier level credit card that earns ScoreCard bonus points for each and every purchase made via the card.

Cardholders earn 1 bonus point per $1 dollar spent on purchases. These points can then be redeemed for numerous other rewards. Save them for that dream vacation you’ve been planning or buy electronics for the home, furniture, shop for clothing or download music – the list goes on on and on.

The card, which has no annual membership fee, does have a low variable APR for purchases and also boasts a much lower 6 month introductory APR of 1.99% for balance transfers that occur within the first three months of card membership.

One inherent feature: this card comes with the support and power of Visa’s worldwide acceptance. However, the IberiaBank Visa® Platinum Rewards Card also comes with an assortment of benefits and perks that truly make this platinum card a premier credit card to have!

Online account management allows you to pay your bill, check your balance and redeem those numerous rewards points you’re going to garner.

The IberiaBank Visa® Platinum Rewards Card also comes with travel insurance up to $500,000 – should anything unplanned or unfortunate happen – simply use your card when booking your travel. Plus, an auto rental collision insurance waiver is also part of the deal. Again, simply reserve and pay for your entire automobile rental with your card, and there is no need to pay for the rental car company’s insurance.

Yet, because roadside mishaps and breakdowns happen when traveling and just doing day-to-day activities- members have access to emergency roadside assistance 24 hours a day, 7 days a week.

Carry a card that rewards you for spending and provides you with assistance while traveling, and also makes sure you are supported financially. Should your card become lost or stolen, report it right away and you’ll be eligible for emergency cash and card replacement.

In the event of an emergency, there are thousands of locations worldwide where you can receive a cash advance. However, if you need to have a replacement card on-hand, in many instances a new card can be delivered to you within 24 hours.

Deciding to have a card with the long array of features and excellent rate benefits that this provides is a decision that should be easy. However, if you’re still trying to decide review the terms and conditions and maybe you’ll see that this premier level card deserves to be in your portfolio.
 
 
Blue Sky from American Express?

Blue Sky from American Express®

Short Card Review

The Blue Sky from American Express® is your travel rewards credit card and friendly companion to explore the globe and uncover new territory! You won’t have to pay an annual fee for merely using your credit card, AND you’ll earn great travel rewards without any blackout …

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Intro AprBalance TransferOngoing APRAnnual FeeCard Category
0.00%Either $5 or 3% of the amount of each transfer, whichever is greater.17.24%-22.24% Variable$0Reward – Travel

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The Blue Sky from American Express® is the ideal travel rewards credit card for anyone who wants to receive worthwhile travel perks on their frequent trips across the world. You’ll have the freedom to redeem your travel rewards pretty much any way you choose – with any airline, car rental or hotel.

Get going on your next vacation knowing there is NO annual fee associated with the Blue Sky from American Express®. That means there is no once-a-year fee you’ll be responsible for when you least expect it.

Earn rewards during all your travels and enjoy no travel restrictions, including no blackout dates. Therefore, your travel rewards will truly come in handy for use on any airline, car rental or hotel stay.

As a Blue Sky from American Express® cardholder, you have exclusive access to the Blue Savings Program, which allows you to enjoy extra discounts and savings on various products. Check out big deals on big-name brands for savings you’ll love!

The Blue Sky from American Express® was rated “Best Airline Credit Card” by Card Ratings Consumer’s Choice Awards 2010. And with a quick approval in a matter of only 60 seconds, you’ll see why this credit card is the one many choose for traveling the skies!
 
 
Discover? More(SM) Card

Discover® More Card

Short Card Review

The Discover® More Card is the 0% intro APR card you should have if earning cashback on your purchases is important to you. Receive 5% cashback bonus in seasonal shopping categories that include gas, restaurants, department stores and more. Additionally earn up to 1% for …

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Intro AprBalance TransferOngoing APRAnnual FeeCard Category
0.00%3% of the amount of each transfer, with the 0% introductory APR balance transfer offer; otherwise, either $10 or 5% of the amount of each transfer, whichever is greater.10.99% – 20.99% (V)*$0Reward – Cash

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The Discover® More Card is the card that consumers who want to earn cashback are using more and more. What makes it so inviting is Discover’s highly desirable rewards program and features.

New card members are treated to a 0% introductory APR for the first 15 months. This intro offer on purchases also extends to balance transfers. All of this comes in addition to the card having no annual fee.

Members of the card can earn cash rewards on all purchases. Cashback bonus rewards of .25% are awarded to members who spend up to $3,000. Then once you spend over $3,000 you’ll automatically earn 1% cashback for your purchases.

Continue with earnings ranging from 5% – 20% cashback bonuses by shopping. Cardholders can garner a 5% cashback bonus through a rotating list of spending categories. Popular categories include but are not limited to gas, restaurants, department stores and more.

Discounts on items or services purchased through Discover’s exclusive online shopping mall is also available. By making a purchase from the nearly 200 participating ShopDiscover.com merchants and retailers a possible cashback bonus of up to 20% can be yours.

All of this and more is up for grabs, simply for being a cardholder and redeeming your rewards for gift certificates.

Another benefit of membership is the rewards garnered through the Discover® More Card have no expiration date or yearly limit as long as your account does not become inactive for 18 months and remains in good standing.

In addition to the highly popular rewards program, members are also treated to numerous other benefits. They include travel accident insurance, auto rental insurance along with email and mobile notifications alerts to help you keep track of your account. Plus, Discover also provides 24/7 access to a U.S. based account manager in less than a minute to assist with any of your needs.

It’s these perks, packages and more combined with fraud and security protection services which make Discover #1 in customer loyalty for the last 15 years in a row.

Isn’t it time your credit card gave you more? Apply now for the Discover® More Card and discover how much more you can get.
 
 
IberiaBank Visa® Classic Card

IberiaBank Visa® Classic Card

Short Card Review

The IberiaBank Visa® Classic Card is a low rate credit card issued by Iberia Bank that can save consumers money based on its standard low interest rate for purchases and balance transfers. This no annual membership card also rewards new card members with an even lower …

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Intro AprBalance TransferOngoing APRAnnual FeeCard Category
1.99%2% of transfer amount7.25%, 10.25%, or 13.25%*$0Regular

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The IberiaBank Visa® Classic Card is a low rate credit card issued by Iberia Bank that allows consumers to save money due to its variable low interest rate for purchases and balance transfers. The card, which has worldwide Visa credit card acceptance, also has no annual fee.

New card members will enjoy an even lower introductory rate for purchases or balance transfers during the first 6 months of membership.

Cardholders are eligible for several low variable rates based on their credit history, and their APR will vary with the market, based on the prime rate.

Additionally, an even lower non-variable APR on balance transfers – 1.99% is an added perk to be had for your first 6 billing cycles.

Managing your IberiaBank Visa® Classic Card account is easy with online access to your card’s info. So staying up to date with your most recent charges and outstanding balance is a piece of cake.

Other card holder benefits and perks include auto rental collision damage waiver and roadside dispatch. Furthermore, if you lose your card (or it gets stolen) you have access to emergency cash at over 200,000 locations across the globe – and can even receive a speedy card replacement.

The IberiaBank Visa® Classic Card is a no-frills credit card offer that provides consumers with the confidence and support of a card backed by Visa – without having to pay annual fees or other reoccurring charges.
 
 
Gold MasterCard? Credit Card - Fixed 9.99% AIR

Gold MasterCard® Credit Card – Fixed 9.99% AIR

Short Card Review

The Gold MasterCard® Credit Card – Fixed 9.99% AIR is issued by MBNA Canada and is available to Canadian residents. This card program will provide you with low fixed interest rates and common platinum cardholder services. You can also take advantage of the platinum benefits …

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Intro AprBalance TransferOngoing APRAnnual FeeCard Category
None1% – Please refer to online application legal disclosures.9.99%*$0Canada

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The Gold MasterCard® Credit Card – Fixed 9.99% AIR is issued by MBNA Canada is available to Canadian residents and provides cardholders with low fixed interest rates and common platinum cardholder services.

There is no annual fee for this credit card program and some applicants may even qualify for credit limits upwards of $100,000.

Cardholders can also take advantage of the platinum benefits that come with the card which include fraud protection, emergency card replacement, 24-hour customer service, online account access, and access to thousands of ABMs worldwide.

Those who do not qualify for the platinum card may be considered for preferred card, which varies in terms of benefits and credit limits.
 
 
Discover? More Card - 24 Month Promotional Balance Transfer

Discover® More Card – 18 Month Promotional Balance Transfer

Short Card Review

The Discover® More Card – 18 Month Promotional Balance Transfer makes it easy to pay down your outstanding balances. This is a cash rewards card designed for those with excellent credit and who want to earn both Cashback bonus rewards for the purchases they make and …

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Intro AprBalance TransferOngoing APRAnnual FeeCard Category
0.00%3% of the amount of each transfer, with the 0% introductory APR balance transfer offer described above; otherwise, either $10 or 5% of the amount of each transfer, whichever is greater.10.99% – 20.99% (V)*$0Reward – Cash

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The Discover® More Card – 18 Month Promotional Balance Transfer offer is a cash rewards card designed for consumers with good credit. If you’re looking for a cash rewards card that earns you Cashback bonuses on every purchase you make, the Discover® More Card might be for you.

This Discover® More Card – 18 Month Promotional Balance Transfer offer comes with an extremely attractive offer for NEW card customers only: 18-month 0% introductory APR on balance transfers! You’ll also enjoy 0% Introductory APR on purchases for 6 billing cycles from the date of account opening.

The Discover® More Card – 18 Month Promotional Balance Transfer offer earns you 5% Cashback on purchases you make once enrolled in seasonal spending categories that change each yearly quarter. Depending on that time of year it is, you can earn 5% Cashback bonuses on gas, department stores, hotels, restaurants and even trips to the movies!

You can also earn up to 1% unlimited Cashback bonus on every purchase you make outside those seasonal purchasing categories. You’ll earn .25% Cashback bonus on every purchase you make until your yearly spending total reaches $3,000. After that, you’ll earn 1% Cashback bonus. You’ll earn between 5% and 20% Cashback bonus when you shop at over 200 online retailers through ShopDiscover.com, Discover’s online shopping mall. There’s no limit to the amount of Cashback bonuses you can accrue, and these bonuses never expire as long as your account is active and current!

The Discover® More Card – 18 Month Promotional Balance Transfer offer lets you redeem your Cashback bonus rewards for merchandise, gift cards from hundreds of name-brand retailers, Discover gift cards that are good anywhere Discover is accepted, and even cash. You can have your Cashback bonus rewards redeemed for direct deposits to a bank account of your choice or directly credited to your Discover card statement.

On top of these excellent features, you’ll never be charged an Annual Fee for the Discover® More Card. You can access your account securely online anytime day or night, and customer service is available whenever you need it. The Discover® More Card – 18 Month Promotional Balance Transfer offer is an excellent choice if you’re looking for a cash rewards card, a very long 0% Introductory APR on balance transfers, 0% Introductory APR on purchases, or all three!
 
 
Wired Plastic? Prepaid Visa? Card

Wired Plastic® Prepaid Visa® Card

Short Card Review

The Wired Plastic® Prepaid Visa® Card may be an excellent option if you've had a hard time getting an unsecured credit card and you want a stored value card. The card has no annual fee, the application and participation fees are very low, and most methods of …

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Intro AprBalance TransferOngoing APRAnnual FeeCard Category
Nonen/appn/app$0Pre-Paid

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The Wired Plastic® Prepaid Visa® Card, issued by The Bancorp Bank, is a stored value card designed for those who may have difficulty in obtaining an unsecured credit card.

Although the card does not require a security deposit, it does require payments in advance, which are then used to offset future purchases made with the card.

There is no interest applied on the account, no annual fee, and none of the other charges similarly found with most unsecured credit cards. There are also fewer credentials required in comparison to common unsecured credit cards, such as a no credit check policy, no employment verification, and so forth.

Nevertheless, it is important to note that there are some fees associated with this card, such as a one-time application fee of $9.95, a monthly maintenance fee of $5.95, and a minimum initial load amount of $10. So in the first year alone, a cardholder can expect to pay a total of $57.35 in fees. This is very reasonable for this type of card.

It is common for stored value cards to lack benefits; however, this card does offer automatic bill payment, direct deposit, and access to a unique reward program.

Through the Wired Points Rewards program, one point is earned for each dollar spent on purchases made with the card. Points do not expire and there is no limit to the number of points that may be earned per year. Points can be redeemed for long distance calling cards, music downloads, a variety of ring tones, and prepaid wireless airtime at participating partners.

Therefore, those who are looking for a stored value card to pay in advance for purchases, do not mind paying upfront fees, and will take advantage of the reward program may find the Wired Plastic™ Prepaid Visa® Card to be a beneficial option.
 
 
BuyRIGHT Pre-Paid MasterCard®

BuyRIGHT Pre-Paid MasterCard®

Short Card Review

The BuyRIGHT Pre-Paid MasterCard® is designed for those who want a stored value card with 100% approval pending verification of your identity. There is a $7.95 monthly maintenance fee, but this card comes with excellent customer service, Free email and text alerts, free …

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Intro AprBalance TransferOngoing APRAnnual FeeCard Category
Nonen/appn/app$0Pre-Paid

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The BuyRIGHT Pre-Paid MasterCard®, issued by MetaBank, is a stored value card designed for those who would like to take advantage of the rewards program and the shopping membership that this card has to offer.

Funds may be loaded onto the card in numerous ways, and although fees do apply to most funding methods, there is no charge to fund the card via direct deposit. Funds loaded to the account are available for future purchases made with the card. The card has a $9.95 account set-up fee.

The BuyRIGHT Pre-Paid MasterCard has FREE Text and Email alerts, as well as FREE 24/7 Online bill pay and account management services.

Those who would like to take advantage of the various programs may find the BuyRIGHT Pre-Paid MasterCard® to be more than adequate.
 
 
AccountNow? Vantage Prepaid MasterCard?

AccountNow® Prepaid Visa®

Short Card Review

The AccountNow® Prepaid Visa® is ideal if you need to make transactions that normally require a traditional credit card, but you have trouble obtaining one. As with all prepaid cards, the available balance on the card for purchases must be funded in advance. You'll …

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Intro AprBalance TransferOngoing APRAnnual FeeCard Category
Nonen/appn/app$0Pre-Paid

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The AccountNow® Prepaid Visa®, issued by MetaBank, is a stored value card designed for those who may have difficulty in obtaining a standard unsecured credit card.

Although the card does not require a banking account to be opened, it does require payments in advance, which are then used to offset future purchases made with the card.

Advance payments can be funded directly from the cardholder's paycheck and automatically loaded to the card every pay period. The card can also be loaded by wiring money from an established bank account or through MoneyGram® ExpressPayment®.

It is important to note that there are some fees associated with this card that include an account set up fee of $9.95 (waived with direct deposit loads) and a monthly participation fee of $9.95, which amounts to $119.40 annually. There is no additional charge for U.S. purchases. So, in the first year alone, a cardholder can expect to pay a minimum total of $129.35 in fees.

It is common for stored value cards to lack benefits; however, this card does offer a free bill pay service (for the first seven transactions each month).

Therefore, those who are looking for a stored value card with flexibility to pay in advance for purchases and do not mind paying upfront fees will find the AccountNow® Prepaid Visa® to be a beneficial option.

This card offers cardholders their choice of two unique plans, which differ in terms of the fees and the services that are offered, so cardholders should review the terms and conditions before applying to see which plan will fit their needs the most (the current card review reflects the premium plan).


*AccountNow Prepaid Visa is issued by MetaBank. Funds are insured up to $100,000 by the Federal Deposit Insurance Corporation (FDIC).
 
 
Slate? from Chase ? $75 Bonus and Up to 15 Month Intro Duration

Slate® from Chase – $75 Bonus and Up to 15 Month Intro Duration

Short Card Review

The Slate® from Chase – $75 Bonus and Up to 15 Month Intro Duration credit card offer helps you maintain control of your credit while keeping track of your spending habits and regular purchases. Earn a $75 statement credit when you spend $300 within the first three months …

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Intro AprBalance TransferOngoing APRAnnual FeeCard Category
0.00%Either $5 or 3% of the amount of each transfer, whichever is greater.11.99% – 21.99% variable$0Regular

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The Slate® from Chase – $75 Bonus and Up to 15 Month Intro Duration credit card offer allows you to save on interest charges, take full advantage of a 0% Intro APR and pay no annual fee.

Spend $300 on qualifying transactions within the first three months of account opening and receive a $75 statement credit. These qualifying transactions can include purchases and balance transfers but excludes any cash advances.

You will receive a special 0% Introductory APR on purchases, good for 15 months. A reasonable, variable APR will apply thereafter. You can also transfer any high outstanding balances with a 0% Intro APR offer on balance transfers, good for 15 months on new accounts with Elite or Premium pricing and 6 months on new accounts with Standard pricing.

The Slate® from Chase – $75 Bonus and Up to 15 Month Intro Duration credit card provides you with a long-awaited solution to adjusting your monthly bills according to your needs with Blueprint®. Blueprint® will become your no-nonsense, easy-to-understand financial organizer!

Devise your own unique plan to completely pay off your balance with "Full Pay," pay off a large purchase with "Split," design a method to pay down your balance faster with "Finish It," and keep an eye on your spending with "Track It."

Plus, there is no annual fee associated with the Slate from Chase card. Keep track of your credit and work your way toward financial freedom with the Slate® from Chase – $75 Bonus and Up to 15 Month Intro Duration credit card!

 
 
Discover? Open Road(SM) Card

Discover® Open Road Card – $150 Restaurant.com Gift Certificate

Short Card Review

The Discover® Open Road Card – $150 Restaurant.com Gift Certificate gives cardholding drivers 2% cash rewards for gasoline as well as food purchases. After your first purchase with this 0% intro APR card, Discover gives you a free $150 Restaurant.com gift certificate …

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Intro AprBalance TransferOngoing APRAnnual FeeCard Category
0.00%3% of the amount of each transfer, with the 0% introductory APR balance transfer offer described above; otherwise, either $10 or 5% of the amount of each transfer, whichever is greater.10.99% – 20.99% (V)*$0Reward – Gas

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The Discover® Open Road Card – $150 Restaurant.com Gift Certificate card offer puts extra cash in your pocket as you go down the road…literally. This gas rewards credit card is for the person who wants to earn cash rewards for gas and food purchases, as well as other expenses at stand-alone gas stations.

With your very first purchase, the rewards begin rolling in. Discover gives you a free $150 Restaurant.com gift certificate (good for use at over 15,000 restaurants across the country) with your first purchase. Discover also awards Open Road card members with 2% cashback bonus at any gas station and restaurant – up to $250 per year! If you’re a commuter or if you’re planning a road-trip, that’s a lot of pit stops and food breaks.

The Discover® Open Road Card comes with a 0% APR on both purchases and balance transfers! The special introductory 0% APR on purchases and balance transfers lasts for 12 months from the date of account opening. Then once the 0% APR period has expired, a low reasonable APR is applied.

Cardholders also have the opportunity to receive up to 1% cashback bonus on all other purchases. Items and services that are part of your first $3,000 will earn .25% cashback bonus, whereas once you spend more than $3,000 you can garner an unlimited 1% cashback bonus.

Additionally, members of the The Discover® Open Road Card – $150 Restaurant.com Gift Certificate card offer can also earn between 5% and 20% cashback bonus simply by shopping through Discover’s online shopping mall. The site ShopDiscover.com boasts nearly 200 popular retailers in dozens of categories.

Travel and insurance benefits also make this THE card to have on the road or otherwise. As good measure, Discover decided to add as a standard feature a handy mobile and email fraud alert option to keep you up to speed on your account. It’s probably membership features like this (and many others) which has put Discover on top for customer loyalty the last 15 years in a row!

As you’re discovering the “open road,” know that the rewards you’ve accumulated have no expiration date and there is no annual limit. Should your account be closed for any reason or inactive for 18 consecutive months you may lose your rewards, however.

Very few cards reward the traveler of the road. Many credit cards shower perks onto airline travelers but frequently those who travel the freeways and byways get overlooked – but not by Discover. If you’ve been looking for a gas rewards credit card with a 0% intro APR offer that delivers rewards, then you’ve discovered the right one to take: Discover® Open Road Card -$150 Restaurant.com Gift Certificate. Apply Today!
 
 
Miles by Discover? Card

Miles by Discover® Card

Short Card Review

The Miles by Discover® Card is a travel rewards credit card where cardholders can earn up to $120 in travel rewards- the equivalent of 12,000 bonus miles in the first year. After your initial purchase, double miles are available on every $1 spent. Further benefits include …

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Intro AprBalance TransferOngoing APRAnnual FeeCard Category
0.00%3% of the amount of each transfer, with the 0% introductory APR balance transfer offer described above; otherwise, either $10 or 5% of the amount of each transfer, whichever is greater.10.99% – 16.99% (V)*$0Reward – Travel

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The Miles by Discover® Card is a travel rewards credit card that gives cardholders the opportunity to earn double miles and more. Benefit from a rewards miles program where you have the opportunity to earn up to $120 in travel rewards via 1,000 bonus miles each month you make a purchase for the first year!

Cardholders also receive double miles on up to $3,000 in travel and restaurant purchases, and one mile for every dollar spent on general purchases. Miles garnered can be redeemed for airfare with no blackout dates. Reward miles can also be redeemed for gift cards, accommodations and car rentals – also with no restrictions. One of the perks cardholders enjoy simply for using the card for car rentals is a no-cost secondary collision damage insurance waiver.

Miles will not expire as long as the account remains active within an 18-month period.

Additionally the Miles by Discover Card® has a 0% introductory rate on purchases and balance transfers for six months with no annual fee.

Discover has been top ranked in customer loyalty for the last 15 years – isn’t it time you became a cardholder and experienced all the rewards the Miles by Discover Card® has to offer? Apply now and travel rewards, redemption ease, low rates and a no annual fee could all be yours.
 
 
Vision Silver   Prepaid MasterCard   Card

Vision Silver(SM) Prepaid MasterCard®

Short Card Review

The Vision Silver(SM) Prepaid MasterCard®, issued by MetaBank, is ideal for people who are finding it difficult to obtain either a secured or unsecured credit card. For the first year, cardholders can expect to pay a total of $57.35 for monthly fees ($3.95) and the …

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Intro AprBalance TransferOngoing APRAnnual FeeCard Category
Nonen/appn/app$0Pre-Paid

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The Vision Silver(SM) Prepaid MasterCard®, issued by MetaBank, is ideal for people who are finding it difficult to obtain either a secured or an unsecured credit card.

Applicants will not have to go through a credit check because approval is guaranteed. With this prepaid card, cardholders fund their own credit lines, which eliminates the risk of owing creditors.

As with most prepaid cards, this card has several fees associated with usage*. To start, cardholders will be charged an activation fee of $9.95. Every month thereafter, they will be charged $3.95 monthly. For the first year, cardholders can expect to pay $57.35 for these two fees combined. There is also a $25 shortage fee, which cardholders are charged whenever their accounts go into negative territory.

Additional fees apply with ATM usage, PIN transactions, and cash advances. Please review the issuer’s website for further details on all fees.

While this card may come with many fees, it also has a number of free features available to all cardholders. These free features include unlimited signature transactions, online access to statements, e-mail and text message alerts, and automated customer service.

The Vision Silver(SM) Prepaid MasterCard® is a good option for people who want to make electronic transactions but who don’t want, or can’t get, a traditional credit card.

*See terms and conditions for complete details.

 
 
Chase Freedom(SM) Credit Card

Chase Freedom® MasterCard – $100 Bonus Cash Back + 0% Intro APR

Short Card Review

The Chase Freedom® MasterCard – $100 Bonus Cash Back + 0% Intro APR credit card is designed for those who want a card that allows them to earn cash rewards for everyday purchases. Cardholders always earn an unlimited 1% cash back on every purchase, 5% cash back in …

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Intro AprBalance TransferOngoing APRAnnual FeeCard Category
NoneEither $5 or 3% of the amount of each transfer, whichever is greater.as low as 11.99% Variable$0Reward – Cash

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The Chase Freedom® MasterCard – $100 Bonus Cash Back + 0% Intro APR credit card, issued by Chase, is designed for those who have good or excellent credit and who plan to take advantage of the cash rewards program.

Through the rewards program, cardholders earn 5% Cash Back on up to $1,500 spent at gas stations and on Amazon.com from 1/1/12 – 3/31/12. Up to 10% cash back at select merchants can be earned when you shop online through Chase. Cardholders will also earn an unlimited 1% rebate for each $1 of net purchases. There are no spending tiers or earning caps, and cash rebates never expire. Plus, cardholders will receive a $100 cash back bonus after spending just $500 within the first three months of the account opening!

The Chase Freedom® MasterCard – $100 Bonus Cash Back + 0% Intro APR card offers a 0% introductory rate on balance transfers for 12 months, and on purchases for 6 months. There is no annual fee and a reasonable APR for purchases for those who qualify. Therefore, those who plan to take advantage of the cash rewards program will benefit most from what the Chase Freedom® MasterCard – $100 Bonus Cash Back + 0% Intro APR has to offer.
 
 
AccountNow? Prepaid MasterCard?

AccountNow® Prepaid MasterCard®

Short Card Review

The AccountNow® Prepaid MasterCard® is ideal if you need to make transactions that normally require a traditional credit card, but you have trouble obtaining one. As with all prepaid cards, the available balance on the card for purchases must be funded in advance. …

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Intro AprBalance TransferOngoing APRAnnual FeeCard Category
Nonen/appn/app$0Pre-Paid

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The AccountNow® Prepaid MasterCard®, issued by MetaBank, is a stored value card designed for those who may have difficulty in obtaining a standard unsecured credit card.

Although the card does not require a banking account to be opened, it does require payments in advance, which are then used to offset future purchases made with the card.

Advance payments can be funded directly from the cardholder's paycheck and automatically loaded to the card every pay period. The card can also be loaded by wiring money from an established bank account or through MoneyGram® ExpressPayment®.

It is important to note that there are some fees associated with this card that include an account set up fee of $9.95 (waived with direct deposit loads) and a monthly participation fee of $9.95, which amounts to $119.40 annually. There is no additional charge for U.S. purchases. So, in the first year alone, a cardholder can expect to pay a minimum total of $129.35 in fees.

It is common for stored value cards to lack benefits; however, this card does offer a free bill pay service (for the first seven transactions each month).

Therefore, those who are looking for a stored value card with flexibility to pay in advance for purchases and do not mind paying upfront fees will find the AccountNow® Prepaid MasterCard® to be a beneficial option.

This card offers cardholders their choice of two unique plans, which differ in terms of the fees and the services that are offered, so cardholders should review the terms and conditions before applying to see which plan will fit their needs the most (the current card review reflects the premium plan).

AccountNow Prepaid MasterCard is issued by MetaBank pursuant to license by MasterCard International Incorporated. MasterCard and the MasterCard Brand Mark are registered trademarks of MasterCard International Incorporated.

 
 
Chase Freedom Visa - As Low As 9.99% APR

Chase Freedom® Visa – As Low As 9.99% APR

Short Card Review

The Chase Freedom® Visa – As Low As 9.99% APR credit card is designed for those who want a card that allows them to earn cash rewards for everyday purchases. Cardholders always earn a full 1% cash back on every purchase, and 5% cash back in quarterly bonus categories …

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Intro AprBalance TransferOngoing APRAnnual FeeCard Category
0.00%Either $5 or 3% of the amount of each transfer, whichever is greater.As low as 9.99% Variable$0Reward – Cash

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The Chase Freedom® As Low As 9.99% APR credit card, issued by Chase, is designed for those who have good or excellent credit and who plan to take advantage of the cash rewards program.

This card offers a 0% introductory rate on purchases and balance transfers. You’ll enjoy 0% APR on purchases for 6 months and 0% APR on balance transfers for 12 months.

Through the rewards program, cardholders earn 5% Cash Back on up to $1,500 spent on dining, department stores, movie theaters and charitable organizations from 10/1/11 – 12/31/11. It’s free and easy to activate your bonus each quarter.

Cardholders will also earn a 1% rebate for each $1 of net purchases. There are no spending tiers or earning caps, and cash rebates never expire.

Beyond the rewards program, this card offers limited cardholder benefits, such as zero liability for unauthorized transactions. Chase Freedom® Visa – As Low As 9.99% APR has no annual fee and a reasonable APR for purchases for those who qualify.

Therefore, those who plan to take advantage of the cash rewards program will benefit most from what Chase Freedom® Visa – As Low As 9.99% APR has to offer.
 
 
Chase Sapphire(SM)

Chase Sapphire℠

Short Card Review

The Chase SapphireSM is a premier travel rewards credit card with no annual fee. You’ll receive 25,000 bonus points after you spend $3,000 in 3 months, two points per dollar spent on dining, and an additional point per $1 spent on all airfare and …

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Intro AprBalance TransferOngoing APRAnnual FeeCard Category
NoneEither $5 or 3% of the amount of each transfer, whichever is greater.15.24% Variable$0Reward – Travel

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The Chase SapphireSM is a premier travel rewards card that offers excellent credit card features with no annual fee.

You’ll receive 25,000 bonus points after you spend $3,000 in 3 months, plus 2 points for every dollar you spend on dining.

In addition, you’ll receive an additional point per dollar spent on airfare and hotel accommodations booked through Chase Ultimate Rewards℠, and one point for every dollar spent on all other purchases.

There are no earning caps, point expirations, or blackout dates, so you’ll be able to earn unlimited points with this travel credit card.

The Chase SapphireSM offers premier travel benefits as well as 24/7 customer service to help you redeem your points and take advantage of this travel rewards card from Chase.