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The Citi® Platinum Select® Card, issued by Citibank, is designed for those with very good credit who would like to take advantage of the various standard services and benefits provided by Citibank.
This card has a reasonably low interest rate for purchases and balance transfers, no annual fee, and an attractive 0% twelve-month introductory rate that can be applied toward purchases and balance transfers (with no transfer fees).
It is important to note that there is a minimum cap for cash advances; so no matter how low the Prime Rate falls (the APR is tied to the Prime Rate), the interest rate will not go below the minimum cap.
The card does provide several platinum cardholder benefits that include auto rental insurance, fraud protection services, and up to $1,000,000 in travel accident insurance. However, there are no extraordinary benefits or services specifically available to cardholders in comparison to some other platinum credit cards.
Therefore, those who plan to take advantage of the introductory offers and the services provided will benefit most from what the Citi® Platinum Select® Card has to offer.
The Chase Platinum Visa®, issued by Chase, is designed for those who have very good credit and are looking for an overall good platinum card with a rewards program.
Through the rewards program, cardholders earn one point for every dollar spent on purchases. Points may be redeemed for cash back, merchandise, travel, and gift cards. Points expire in five years, and there is a maximum of 60,000 points that may be earned per year.
The credit card has a reasonable interest rate (for those who qualify), an attractive 0% introductory rate for up to 12 months on purchases and balance transfers, and no annual fee.
Those who plan to occasionally carry a large revolving balance may find doing so costly due to the "Two Cycles Average Daily Balance" method used by this credit card to determine finance charges, which ends up costing more to maintain an occasional balance as compared to the "Average Daily Balance" method used by many credit card issuers.
This platinum card does offer a variety of additional cardholder benefits that include up to $500,000 in travel accident insurance, auto rental insurance, and free online account access.
Therefore, those who have a very good credit history, want to participate in the rewards program, and plan to take advantage of the various additional services and benefits will find the Chase Platinum Visa® to be an ideal card.
It is important to note that the various interest rates that can be applied to an individual's account may be confusing and should be fully understood before applying for the credit card.
The Orchard Bank Gold MasterCard®, issued by HSBC Bank Nevada, N.A., is designed for those with an average or a limited credit history who do not wish to secure a credit card account with a deposit, as this is often the case with a secured card.
Although the card can help those with a limited credit history build towards a positive and solid credit history (assuming payments are made on time), it does have several costly factors that should be considered before applying.
The interest rate is reasonable for this type of card, but it can still be costly for anyone planning on carrying a large balance. There is an annual fee of $79, which is about average for this type of credit card. There is also an application fee of $19. In total, the cardholder can expect to pay $98 in the first year.
This card also offers common cardholder benefits such as emergency card replacement, lost and stolen card reporting, and no liability for unauthorized transactions.
Therefore, those who can afford to pay in full each month (to avoid finance charges) and plan to use the card to help build a positive credit history will benefit most from what the Orchard Bank Gold MasterCard® has to offer.
The Orchard Bank Silver MasterCard®, issued by HSBC Bank Nevada, N.A., is designed for those with an average or a limited credit history who do not wish to secure a credit card account with a deposit, as this is often the case with a secured card.
Although the card can help those with a limited credit history build towards a positive and solid credit history (assuming payments are made on time), it does have several costly factors that should be considered before applying.
The interest rate is reasonable for this type of card, but it can still be costly for anyone planning on carrying a large balance. There is an annual fee of $49, which is about average for this type of credit card. There is also an application fee of $49. In total, the cardholder can expect to pay $98 in the first year.
This card also offers common cardholder benefits such as emergency card replacement, lost and stolen card reporting, and no liability for unauthorized transactions.
Therefore, those who can afford to pay in full each month (to avoid finance charges) and plan to use the card to help build a positive credit history will benefit most from what the Orchard Bank Silver MasterCard® has to offer.
The Chase Travel Plus Platinum Visa® Card, issued by Chase, is designed for those with very good credit who plan to take advantage of the travel reward program.
Through the reward program, cardholders earn one mile for every dollar spent on all purchases. Miles are redeemable for airline tickets from over 250 airlines, hotel stays, cruises, and car rentals. Although this card has no annual fee, there is a mandatory yearly fee of $29 for the reward program, which is quite reasonable.
This card has a reasonable interest rate for purchases and balance transfers (compared to other travel reward cards). The card also offers a 0% introductory rate for up to twelve months on purchases and balance transfers.
Those who plan to occasionally carry a large revolving balance may find doing so costly due to the "Two Cycles Average Daily Balance" method used by this credit card to determine finance charges. This ends up costing more to maintain an occasional balance as compared to the "Average Daily Balance" method used by many credit card issuers.
The card also provides platinum cardholder benefits and services such as up to $500,000 in travel accident insurance, auto rental insurance, and various travel and emergency assistance services.
Therefore, those who plan to take advantage of the reward program, the introductory rate, and the additional platinum services will benefit most from what the Chase Travel Plus Platinum Visa® Card has to offer.
The New Millennium Bank Gold Visa®/MasterCard®, issued by New Millennium Bank, is designed for those with limited or poor credit who may be having a difficult time in obtaining a standard unsecured credit card.
Most often, secured credit cards do not have any additional perks or benefits; however, this card does provide several benefits including auto rental insurance, up to $100,000 in travel accident insurance, and an extended warranty for purchases.
Although the APR that is applied to purchases is above average for a secured card, this card does apply interest to the deposit amount required to secure the account, which is a nice benefit. This card also has a no credit check and a no turn-down policy.
There is an annual fee of $59, which is slightly above average for a secured card, as well as a one time processing fee of $69.95 ($99.95 if the applicant would like to be issued both a Visa® and a MasterCard®).
It is important to note that a major drawback to the card is that there is no grace period for purchases. This means that interest will be applied immediately to any charges made with the card.
Therefore, those who do not mind accumulating finance charges once a transaction is posted, can afford the $300 minimum deposit, and need to establish credit will benefit most from what the New Millennium Bank Gold Visa®/MasterCard® has to offer.
The Chase Student Flexible Rewards Card, issued by Chase, is designed for students who plan to take advantage of the reward program.
Through the reward program, cardholders earn one point for every dollar spent on the card. Earned points can be redeemed for free merchandise or gift certificates at popular merchants. There is a maximum of 60,000 points that can be earned per year.
The card has an above average interest rate for purchases and balance transfers (for a student card), no annual fee, and a 0% introductory rate for purchases and balance transfers through the first six months of membership.
However, finance charges applied use the "Two Cycles Average Daily Balance" method, which is a more costly method in applying finance charges for those who occasionally carry a balance as compared to the "Average Daily Balance" method used by most card issuers.
In addition to the reward program, the card offers cardholder benefits provided by Chase that include up to $500,000 in travel accident insurance, auto rental insurance, and various travel and emergency assistance services.
Therefore, students who can afford to pay in full each month after the introductory rate expires (to avoid finance charges) and plan to take advantage of the rewards program will benefit the most from what the Chase Student Flexible Rewards Card has to offer.
Blue from American Express® is an ideal credit card for those with good credit who already have an established credit history and are looking for a card with access to a reward program.
Various American Express® services and benefits are provided with this card, such as purchase protection, auto rental insurance, a year-end financial statement, and various travel and emergency assistance services.
For no additional fee, cardholders also have access to Blue's Fee-Free Rewards program, which offers members the chance to earn points that can be redeemed for various services and products. The rewards program is by far one of the best reward programs offered in the credit card industry, due in part to the variety of rewards offered with no yearly limit and no expiration policy for earned points.
This card has no annual fee and a reasonable interest rate for purchases (for those who qualify), which makes it ideal for those who plan to occasionally carry a balance. The card has a 0% introductory rate for up to 15 months of membership that can be applied towards purchases. A 3.99% introductory rate is available on balance transfers for the life of the loan. It is important to note that the balance transfer introductory rate only applies to those who initiate a transfer when applying for the card.
Therefore, those who qualify for the lowest rate offered and plan to take advantage of the additional benefits and discounts available by American Express®, especially frequent travelers who can take advantage of the rewards program with earned points that can be combined with various frequent flyer accounts, will benefit most from what the Blue from American Express® card has to offer.
The Citi® Platinum Select® Card for College Students, issued by Citibank, is designed for those students who have a somewhat established credit history as this is a platinum credit card.
The interest rate for purchases and balance transfers is above average for a student credit card, but there is no annual fee. Cardholders will also be able to take advantage of a 0% introductory rate that applies to all transactions for the first six months of membership (a rare benefit for a student credit card). However, there is a minimum cap of 19.99% for cash advances; so no matter how low the Prime Rate falls (the APR is tied to the Prime Rate), the interest rate will not go below the minimum cap.
As with many Citibank platinum credit cards, cardholders can expect access to a variety of benefits that include up to $1,000,000 in travel accident insurance, auto rental insurance, fraud protection services, and various travel and emergency assistance services. In addition, the card offers students special discounts at select merchants and retailers.
Therefore, students who can afford to pay in full each month after the introductory rate expires (to avoid finance charges) and plan to take advantage of the student-related discounts will benefit most from what the Citi® Platinum Select® Card for College Students
The Discover® Platinum Card, issued by Morgan Stanley, is designed for those with very good credit who are looking for a cash reward credit card.
Through the reward program, cardholders earn a full 5% in cash rebates for purchases made at select merchants, up to 1% for general purchases, and .25% for purchases made at select warehouse clubs and discount stores.
Those who spend up to $1,500 on general purchases will receive a .25% rebate, between $1,500 and $3,000 will receive a .5% rebate, and over $3,000 will receive a 1% rebate.*
As an added bonus, cardholders can earn up to a double Cashback Bonus® for redeeming their rebates for gift certificates from participating Discover Card Partners. 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 a 36 month period.
The card has no annual fee and an attractive 0% introductory rate on purchases and balance transfers for twelve months. The APR for this card is reasonably low for those who qualify.
Finance charges applied use the "Two Cycles Average Daily Balance" method, which is a more costly method in applying finance charges for those who occasionally carry a balance as compared to the "Average Daily Balance" method used by most card issuers.
Aside from the reward program, the card also provides several platinum benefits including up to $500,000 in travel accident insurance, auto rental insurance, and various fraud and security protection services. Cardholders will also receive discounts on products and services at participating merchants and retailers.
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 retailers (to earn double cash rebates), and plan to pay in full each month after the introductory rate expires (to avoid costly finance charges) will benefit most from what the Discover® Platinum 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 only be applied 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 or the full 5% Cashback Bonus® award.
The Discover® Student Classic Card, issued by Morgan Stanley, is designed for those with an average or limited credit history who are looking for a cash reward credit card.
Through the reward program, cardholders earn a full 5% in cash rebates for purchases made at select merchants and up to 1% for general purchases.
Those who spend up to $1,500 on general purchases will receive a .25% rebate, between $1,500 and $3,000 will receive a .5% rebate, and over $3,000 will receive a 1% rebate.*
Cardholders also earn a 0.25% rebate at select warehouse clubs and discount stores, and they can earn a double Cashback Bonus® for redeeming their rebates for gift certificates from participating Discover Card Partners. 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 a 36 month period.
Aside from the reward program, the card also provides standard benefits including online account management, no liability for unauthorized transactions, and discounts on products and services at participating merchants and retailers.
The APR for this card is above average, but there is no annual fee and there is a 0% introductory APR that applies to purchases for six months.
Finance charges applied use the "Two Cycles Average Daily Balance" method, which is a more costly method in applying finance charges to those who may occasionally carry a balance as compared to the "Average Daily Balance" method used by most card issuers.
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 retailers (to earn a full 5% rebate and double cash rebates), and plan to pay in full each month (to avoid costly finance charges) will benefit most from what the Discover® Student Classic Card has to offer.
Students who plan to carry a large balance should consider a lower interest rate card (one that applies the "Average Daily Balance" method), as any finance charges saved will be more than any cash rebates earned.
Credit Card Offers - Instant Credit Card Approval