Back in 2001 we had a long thread going about the different credit cards deals available. Since I have begun to look for a new credit card, I figured that I would post the results of my search here. My search has concentrated on cards that have cash back or rewards, so other type will be lacking, however, please post other good deals/info on other types on cards. This is, of course, a partial list at best, of all of the available cards. Please add any information regarding credit card deals that you have.
I will attempt to update the list as time goes on. Enjoy!
For good sites on CC?s and such try: www.bankrate.com, and www.creditcardgoodies.com
Note: unless otherwise stated all cards earn X points per dollar spent. Also no annual fee unless noted.
Companies that offer cards:
Amazon ? Visa
Initial APR: 0% for 12 months
APR: 10.99% (Variable)
Grace Period: 20 days
Reward details: $30 coupon on first order at Amazon.com. Earn 3points on Amazon.com purchases and 1 point on all other purchases. 2500 points earns a $25 coupon code mailed to you. Zero Liability on Unauthorized Purchases.
Office Depot ? Chase Visa
Initial APR: 0% for 9 months
APR: 10.99% and up
Grace Period: 20 days
Reward details: 2% back on all purchases during the first 2 months, thereafter 2% back on office depot purchases and 1% on all other purchases.
Radio Shack ? Mastercard
Initial APR: 9.9%, 0% on balance transfers & cash adv. checks
APR: 9.9%
Grace Period: 25 days
Reward details: $15 gift card if used within the first 90 days. Purchases earn 2 points at participating Radio Shacks and 1 point on all other purchases. 1500 points can be redeemed for a $15 gift card.
Ebay ? Mastercard
Initial APR: 0% (on balance transfers only)
APR: 9-24%
Grace Period:25 days
Reward details: Must join the Ebay Anything Points Program. Earn 1 point on all purchases. Each point is worth $.01. Points can be applied to purchases paid for using paypal only.
Buy.com ? Visa
Initial APR: 0% 6 months
APR: 8.9% and up
Grace Period: 20 days
Reward details: Earn 3% back at Buy.com and 1% elsewhere. Rewards sent from buy.com. Zero Liability on Unauthorized Purchases.
Target ? Visa
Initial APR: 9.9% - 18.9%
APR: 9.9% - 18.9%
Grace Period: 25 days
Reward details: 10% all purchases on the first day (apply in store). 1% of purchases go are donated to school of your choice. Also earn 1 point per dollar spent at target. When you reach 1000 points you get 10% for one day of shopping.
Cash back cards
American Express Blue Cash
Initial APR: 0% for 6months
APR: 8.99%, 10.99% or 13.99% depending on credit
Grace Period: 20 days
Reward details: Tiered cash back program. .5% up to $2K, 2% up to $6K, 3% $6K and up on ?everyday purchases? (supermarkets, gas, drugstores & home improvement) half of the stated rate on all other purchases. 2% bonus if you carry a balance (on the ?everyday purchases?) .5% on everything else.
Chase I-card - Mastercard
Initial APR: 2.99%
APR: 8.49 ? 17.49% depending on balances & credit
Grace Period: 20 days
Reward details: 1% back on everything. Rewards redeemable through www.webcertificate.com
Chase Cashbuilder - Mastercard
Initial APR: 8.99 ? 18.99%
APR: 8.99 ? 18.99%
Grace Period: 20 days
Reward details: 2% back if you carry a balance of over $500, otherwise 1%. Actual % back depends upon annual spending (above $6K yields full amount possible). Maximum of $500.
Discover Classic
Initial APR: 0% for 12 months on balance transfers only, otherwise 15.99%
APR:15.99%
Grace Period: 25 days
Reward details: up to 2% back. Can accumulate and be used later.
Bank One CashIn ? Visa
Initial APR: 0% for 6 months
APR: 9.9% and up
Grace Period: 20 days
Reward details: Earn 1% back on all purchases. Checks are sent once the $25 point is reached. Zero Liability on Unauthorized Purchases.
National City CashBuilder ?Visa
Initial APR: 9.9%
APR: 9.9%
Grace Period: 20 days
Reward details: .5% back up to $2K per year, 1% back up to $40K, and 2% back over $40K per year. Maximum cash back $1000.
Citi Dividend Platinum Select - Mastercard
Initial APR: 0% 9 months (Balance transfers only)
APR: 9.99%
Grace Period: 20 days
Reward details: 5% (Yes a Full 5%) back on purchases at supermarkets, gas stations, and drugstores and 1% on all other purchases, a maximum of $300 back per year. Also $0 liability on unauthorized purchases. Photocard option.
If any of the above information is incorrect please help me correct it!
Updates:
Radioshack has an instore deal where you can get $20 off of a purchase of $40 or more if you sign up for their card. They will also send one $15 GC with the physical card. Thanks to 'transitive' for the info!
From DJ Fuji:
'For all those who have the citi dividend platinum select card already, you won't get your 5% bonus unless you call them and ask them for it. It's a promotional thing, so they generally only give it to new customers. But i just called and they said they'd put in a request for it and notify me via mail if it was approved. The rep said that it generally gets approved because the company decided that they'd honor the 5% for all customers who ask for it. ' Thanks DJ!
Update: It appears that YMMV on this one...
From Viewlike:
Excellent CC comparison site: Credit Card Comparison
I will attempt to update the list as time goes on. Enjoy!
For good sites on CC?s and such try: www.bankrate.com, and www.creditcardgoodies.com
Note: unless otherwise stated all cards earn X points per dollar spent. Also no annual fee unless noted.
Companies that offer cards:
Amazon ? Visa
Initial APR: 0% for 12 months
APR: 10.99% (Variable)
Grace Period: 20 days
Reward details: $30 coupon on first order at Amazon.com. Earn 3points on Amazon.com purchases and 1 point on all other purchases. 2500 points earns a $25 coupon code mailed to you. Zero Liability on Unauthorized Purchases.
Office Depot ? Chase Visa
Initial APR: 0% for 9 months
APR: 10.99% and up
Grace Period: 20 days
Reward details: 2% back on all purchases during the first 2 months, thereafter 2% back on office depot purchases and 1% on all other purchases.
Radio Shack ? Mastercard
Initial APR: 9.9%, 0% on balance transfers & cash adv. checks
APR: 9.9%
Grace Period: 25 days
Reward details: $15 gift card if used within the first 90 days. Purchases earn 2 points at participating Radio Shacks and 1 point on all other purchases. 1500 points can be redeemed for a $15 gift card.
Ebay ? Mastercard
Initial APR: 0% (on balance transfers only)
APR: 9-24%
Grace Period:25 days
Reward details: Must join the Ebay Anything Points Program. Earn 1 point on all purchases. Each point is worth $.01. Points can be applied to purchases paid for using paypal only.
Buy.com ? Visa
Initial APR: 0% 6 months
APR: 8.9% and up
Grace Period: 20 days
Reward details: Earn 3% back at Buy.com and 1% elsewhere. Rewards sent from buy.com. Zero Liability on Unauthorized Purchases.
Target ? Visa
Initial APR: 9.9% - 18.9%
APR: 9.9% - 18.9%
Grace Period: 25 days
Reward details: 10% all purchases on the first day (apply in store). 1% of purchases go are donated to school of your choice. Also earn 1 point per dollar spent at target. When you reach 1000 points you get 10% for one day of shopping.
Cash back cards
American Express Blue Cash
Initial APR: 0% for 6months
APR: 8.99%, 10.99% or 13.99% depending on credit
Grace Period: 20 days
Reward details: Tiered cash back program. .5% up to $2K, 2% up to $6K, 3% $6K and up on ?everyday purchases? (supermarkets, gas, drugstores & home improvement) half of the stated rate on all other purchases. 2% bonus if you carry a balance (on the ?everyday purchases?) .5% on everything else.
Chase I-card - Mastercard
Initial APR: 2.99%
APR: 8.49 ? 17.49% depending on balances & credit
Grace Period: 20 days
Reward details: 1% back on everything. Rewards redeemable through www.webcertificate.com
Chase Cashbuilder - Mastercard
Initial APR: 8.99 ? 18.99%
APR: 8.99 ? 18.99%
Grace Period: 20 days
Reward details: 2% back if you carry a balance of over $500, otherwise 1%. Actual % back depends upon annual spending (above $6K yields full amount possible). Maximum of $500.
Discover Classic
Initial APR: 0% for 12 months on balance transfers only, otherwise 15.99%
APR:15.99%
Grace Period: 25 days
Reward details: up to 2% back. Can accumulate and be used later.
Bank One CashIn ? Visa
Initial APR: 0% for 6 months
APR: 9.9% and up
Grace Period: 20 days
Reward details: Earn 1% back on all purchases. Checks are sent once the $25 point is reached. Zero Liability on Unauthorized Purchases.
National City CashBuilder ?Visa
Initial APR: 9.9%
APR: 9.9%
Grace Period: 20 days
Reward details: .5% back up to $2K per year, 1% back up to $40K, and 2% back over $40K per year. Maximum cash back $1000.
Citi Dividend Platinum Select - Mastercard
Initial APR: 0% 9 months (Balance transfers only)
APR: 9.99%
Grace Period: 20 days
Reward details: 5% (Yes a Full 5%) back on purchases at supermarkets, gas stations, and drugstores and 1% on all other purchases, a maximum of $300 back per year. Also $0 liability on unauthorized purchases. Photocard option.
If any of the above information is incorrect please help me correct it!
Updates:
Radioshack has an instore deal where you can get $20 off of a purchase of $40 or more if you sign up for their card. They will also send one $15 GC with the physical card. Thanks to 'transitive' for the info!
From DJ Fuji:
'For all those who have the citi dividend platinum select card already, you won't get your 5% bonus unless you call them and ask them for it. It's a promotional thing, so they generally only give it to new customers. But i just called and they said they'd put in a request for it and notify me via mail if it was approved. The rep said that it generally gets approved because the company decided that they'd honor the 5% for all customers who ask for it. ' Thanks DJ!
Update: It appears that YMMV on this one...
From Viewlike:
Excellent CC comparison site: Credit Card Comparison