Free Credit Card Advice

What immediately springs to mind that is good about the Advanta Life of Balance Platinum Credit Card? Let’s take a quick look:

• 2.99% Fixed APR for Life, on balances transferred within the first 3 months
• 6% Cash Back or Travel Rewards
• No Annual Fee and No Limit on earnings
• $0 Fraud Liability

Not bad for a Platinum credit card is it?

To the fees that apply:

APR for Balance Transfers and Purchases: Prime plus 1.74% (9.99% as of March 14, 2007); however, for only those Balance Transfers which you request during the first three billing cycles after your account is opened, the APR is a promotional 2.99%.
• APR for Cash Advances: Cash Advances: Prime plus 1.74% or Prime plus 11.74% (9.99% or 19.99% as of March 14, 2007).
• Default APR: The higher of the account APR plus 3%, or Prime plus a Default Margin of 21.74%.
• Minimum Finance Charge: $1
• Other Fees: Late Payment Fee: $19 or $39 based on balance. Overlimit Fee: $15 to $39 based on balance. Returned Payment Fee: $35. Dishonored Convenience Check Fee: $35. Convenience Check Stop Payment Fee: $29. Balance Transfer Cancellation Fee: $29. Bank Wire Payment Fee: $15. Foreign Transaction Fee: 3%.

So why not apply for an Advanta Life of Balance Platinum Credit Card now and see what savings you can make?

20,000 free destinations miles† with every MBNA Business Credit Card account opened and activated - enough to get you a return bmi flight to Milan, Venice, Madrid, Amsterdam, Nice and many more destinations.

That’s not all - you’ll also receive 1 destinations mile (Account must be active for three months before destinations miles will start to be accrued. destinations miles for card purchases will then be backdated to when the account was opened) every time you or an additional cardholder spend £1 on card purchases.

• One account - multiple cards - you decide how many cards you need and what credit limit each person should have
• Attractive introductory rate of just 7.9% p.a. on balance transfers and credit card cheques for a full six months from the date your account is opened.◊ A competitive standard annual rate of just 17.9% p.a. (variable) plus a yearly membership fee of just £65, which can be offset against your business expenses.
• FREE Worldwide Annual Travel Insurance (Terms and conditions apply to all free insurances. Full details will be sent once your account is opened), worth up to £135 (The premium of £135 quoted is based on the cost of an MBNA standard Annual Multi Trip Policy providing worldwide family cover including wintersports for 2 adults and up to 4 children aged under 18, effective from 1st January 2007. Worldwide Travel Insurance is underwritten by AXA Insurance UK plc which is authorised and regulated by the Financial Services Authority. Worldwide Travel Insurance is available to UK residents aged under 66 only and is subject to availability on all new accounts. Terms, conditions, exclusions and limitations apply.)
• Benefit from specially negotiated discounts - designed for the needs of your business.
• FREE Purchase Protection Insurance (Terms and conditions apply to all free insurances. Full details will be sent once your account is opened) & Employee Misuse Insurance. (Terms and conditions apply to all free insurances. Full details will be sent once your account is opened)
• MBNA goes further to protect both you and your credit card with MBNA Secure
• Manage your account online - view your balance, credit limits for each cardholder and your last thirteen months’ transaction history online, all from the comfort of your business or home.
• If you’ve been running your own business for more than 2 years apply now

Apply now for the MBNA Business Credit Card »

What are the main attractions of the American DreamCard Platinum MasterCard? Here’s three great reasons:

1. It’s smart, with rates and terms that are easy on the pocketbook.
2. It’s easy, with flexible guidelines that meet your needs.
3. It’s safe, with fraud protection and no liability for unauthorized transactions.

The particulars, the Terms and Conditions of importance:

• APR: 0%1 Fixed for 5 months, thereafter 12.99% or 17.99% variable (Minimum APR: 12.99% or 17.99%)
• Purchase APR (variable): Penalty APR: 19.99% or 25.99%* (Minimum APR: 12.99% or 17.99%)*
• Promotional Balance Transfers APR: 0%1 fixed for 5 months; thereafter 12.99% or 17.99% (Minimum APR: 12.99% or 17.99%)
• Cash Advances APR: 19.99% or 23.99% (Minimum APR: 19.99% or 23.99%); Penalty APR: 25.99% or 29.99%* (Minimum APR: 19.99% or 23.99%)*
• Grace period for purchases, at least 20 days
• Transaction fee for cash advances: $5 for each cash advance of $100 or less from any Automated Teller Machine (ATM), transfer or convenience check; for all other cash advances (listed above) greater than $100 and all other cash advance transactions, $15 or 4%, whichever is higher.
• Foreign currency exchange fee: 2% of the U.S. Dollar equivalent amount of each purchase made in a foreign currency.

What are you waiting for? Apply for the American DreamCard Platinum MasterCard right now and start earning your

The Prepaid Visa® RushCard is only available to residents of the United States. Please enter a valid Social Security Number, Date of Birth, postal code and Drivers License (if available).

That’s it. Universal access is only a few clicks away.

Add money to your RushCard through:

• Direct Deposit of Payroll
• MoneyGram®
• Bank Account
• Money Order
• Social Security Checks
• Tax Refunds

Apply now for the Prepaid Visa RushCard »

With inclusive Annual Multi-Trip Travel Insurance and your own worldwide personal assistant through our Concierge service, the MBNA Travel American Express® Credit Card is a new kind of credit card to help you get more out of life!

The Annual Multi-Trip Travel Insurance is worth £140 and includes winter sports cover for you and your immediate family, for trips up to 31 days, anywhere in the world. The Complimentary Lifestyle and Home Management Service is like having an expert personal assistant at the end of a phone, ready to save you time and trouble in all kinds of ways. Your concierge can secure reservations at the most exclusive restaurants, find tickets for hard-to-book shows and sporting events, arrange for a reliable electrician or a landscape gardener or even organise fantastic experiences like a one-to-one cooking lesson with a Michelin star gourmet chef. It’s useful, unusual and just another standard benefit of this new credit card.

The MBNA Rewards scheme earns you quality products from top brands and exclusive, unusual experiences. At a generous rate of 1.5 MBNA Reward points for every £1 you spend, it won’t be long before you accumulate enough to choose from a wide range of quality products from top brands, or book an enjoyable experience. If you enjoy golf, for example, you could set yourself up with new clubs, or book a few rounds on a world-class course. Plus, we’ll also give you 2,000 bonus MBNA Reward points on your first card purchase. You can also take advantage of American Express Selects, with exclusive deals on some of the best leisure, dining and shopping offers available. This credit card just keeps on giving.

Your complimentary Priority Pass provides you with the key to over 450 executive VIP airport lounges – a privilege that anyone else would have to pay £69 a year for. Each visit will cost you only £15 per person per visit. Your new credit card could be the key to a higher standard of holidays and travel, entitling you to exclusive discounts and valuable upgrades on everything from long-haul holidays to exclusive and boutique hotels through our great MBNA TravelPlus VIP service. It comprises HotelPlus, FlightsPlus and HolidayPlus (which on its own can save you around 30% against a tour operator’s package). You’ll also be able to tailor flights, hotels and car hire to suit your requirements and even save on bookings for peak periods like August and Easter.

On top of all the other benefits there is an introductory balance transfer rate of just 0% p.a. on balance transfers for 6 months from the date your account is opened (2.5% handling fee applies) and 16.9% p.a. (variable) on card purchases, typical rate 31.5% APR (variable) including the annual fee.

Take a look now for yourself, applying is free, so why not apply for the MBNA American Express Travel Credit Card?

Pulaski Bank issues two credit cards that are catered to those with excellent credit. The apr offered on these two credit cards are fixed rate (not variable) and are perhaps one of the lowest apr credit cards around. Those who have excellent credit and are looking for a low apr credit card should consider these credit cards.

The Pulaski Bank MasterCard® or VISA® has one of the lowest fixed interest rate which presently is at 7.99%. It is one of the rate credit cards that uses the monthly rather than daily periodic rate and also gives 25 days grace period (versus the 20 days given by most cards these days). This card has an annual fee of $35.00. You obviously need excellent credit to get approved. Read our review of the Pulaski Bank Mastercard or Visa.

Apply now for the Pulaski Bank Visa/Mastercard Credit Card »

What benefits do you get using the Discover Open Road Credit Card? Let’s see:

• 0% Intro APR on Purchases and Balance Transfers for 12 months!
• Full 5% Cashback Bonus on gasoline and everyday auto maintenance purchases
• 5% to 20% Cashback Bonus at our exclusive online shopping site
• Up to 1% Cashback Bonus on all other purchases
• No annual fee
• $0 Fraud Liability Guarantee
• Easy to use online account management

General bits of trivia about the financial parts of the card you’ll need to know:

• Annual Percentage Rate for Purchases - 0% until the last day of the billing period ending during September 2008; then the standard APR, an estimated rate between 10.99% and 18.99%
• Balance Transfers - 0% until the last day of the billing period ending during September 2008; then the standard APR for purchases
• Grace Period for Repayment of the Balance of Purchases - At least 25 days when you pay your balance in full each month.
• Cash Advance Transaction Fee - 3% for each cash advance, with a minimum of $5 and no maximum.

What are you waiting for? This is a great card from Discover, and there are some fabulous benefits of using it regularly - apply now for the Discover Open Road Credit Card »