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Eric Wasselman Profile and Articles
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1). How to Compare Low Interest Credit Cards
One card does not fit all, so while a low interest credit card sounds like the best option it may not be, but before making a final decision it is good to compare the various cards on the market.
Low interest rate credit cards either have a low introductory APR or low fixed rate APR. This is an important comparison tool as a low fixed rate APR means that the interest charged on the credit card will remain the same.
2). The Top 3 Discover Credit Cards
Discover credit cards are another popular credit card. The top three cards according to online research are the Discover Platinum card, The Miles Card from Discover, and the Discover Platinum Gas card. All discover cards can easily top the list based on criteria used to select the top three.
Discover Platinum card
All new Discover card holders get started at 0% APR on purchases and balance transfers.
3). How to Compare Gas Credit Cards
Gas credit cards are also called gas rebate cards. As the name implies, users of these cards get a rebate when they purchase gas. With the rising popularity of these cards, some banks have included other items that can be purchased and rebate applied, such as, groceries. Understanding the terms used to describe your card is important when making comparisons.
4). How to Compare Platinum Credit Cards
Platinum credit cards are prestige cards. These credit cards tend to offer a much higher line of credit than other cards because they are at the top strata of the credit cards ladder. Platinum credit cards limits are generally in excess of five thousand dollars. Added benefits are attached to these types of cards such as better customer service, great interest rates and rewards.
5). How to Compare Secured Credit Cards
Secured credit cards are great for those without credit or those with bad credit because they help build back credit ratings. A secured credit card is a card where a deposited is made to secure the card. This deposit can be made to a bank account or certificate of deposit.
Since you will have money holding, some institutions apply interest to your deposit thereby allowing you to earn while you spend.
6). The Top 3 Advanta Credit Cards
Advanta credit cards are offered only to businesses. A search of the internet showed the top three Advanta cards as being, Advanta Business Rewards Platinum BusinessCard, Advanta Platinum BusinessCard and Advanta Life-of-Balance Platinum Card.
Business owners who apply for any of these cards must have good credit to be accepted.
Advanta Business Rewards Platinum BusinessCard
This card offers a 0% APR on all balance transfers for fifteen months.
7). The Top 3 American Express Credit Cards
The top three American Express cards are: Blue from American Express, Blue Cash and Blue Sky from American Express.
Blue from American Express
Blue from American Express has a 0% APR for up to fifteen months. Once the introductory APR period has expired, a regular APR of 11.99% is applied. Also, there is no annual fee.
There is a credit limit of up to One Hundred Thousand dollars.
8). The Top 3 BankFirst Credit Cards
BankFirst offers a range of Gold and classic visa credit cards. The three most popular BankFirst Credit Cards based on Internet research and customer reviews were:
• Wired Plastic Prepaid Visa card
This card is offers great rewards and bill payment service. Card holders with spotted credit and cannot easily qualify for an unsecured credit card. Holders of the Wired Plastic while not having to pay a security deposit must make payment in advance before making any purchases, but this will help in building back credit ratings.
9). The Lowdown on the Pulaski Credit Card
Pulaski Bank & Trust entered the credit card market towards the end of 1994. Since then, they have been offering the lowest interest rates on credit cards. In fact, the Pulaski Bank Visa/MasterCard is catered for consumers with a good credit score seeking for a low cost card and minimal perks.
Currently, the interest rate for the Pulaski Credit Card is fixed at 7.
10). How to Compare Balance Transfer Credit Cards
Balance transfer credit cards are cards that allow users to consolidate their credit card debt. These cards work by allowing the cardholder to transfer the outstanding balance on all their cards to one single credit card. This results in lower payments and best of all, one interest charge instead of two or more depending on the number of cards you have.
11). How to Compare No Credit Credit Cards
Similar to the bad credit credit card, a no credit credit card is issued to individuals who have no credit. These cards help in establishing or re-establishing credit. So the name ‘no credit’ here can mean that the person has not yet built up a credit rating or has lost his or her credit rating because of financial misfortunes. As such, a comparison of these cards will partially depend on which category you fall in.
12). The Top 3 Chase Credit Cards
The top three Chase credit cards issued by Chase Manhattan Bank are Chase Platinum credit card, Chase Travel Platinum Visa and Chase Flexible Rewards Platinum Visa.
Chase Platinum credit card
This card’s introductory APR is 0%, which is available for twelve months, which is applied to all purchases as well as balance transfers. However, the fine print states that after a review of customer’s credit history, 0% APR on balance transfer can be reduced to a period of three months.
13). Morgan Stanley Credit Cards
The name “Morgan Stanley credit cards” is used mainly in the United Kingdom. In the USA, they are now known as Discover credit cards. The company now has only the two Morgan Stanley credit cards as listed below:
• Morgan Stanley Buy and Fly MasterCard
This card awards points for each purchase of Ten Pounds and over. These points are redeemable on eighteen of the world’s top airlines, such as, American Airlines, Delta, Air France and Air Canada.
14). The Lowdown on Wired Plastic
Wired Plastic is the brand name of one of the most rewarding prepaid debit cards out there. Unlike credit cards, there are is no debts involved when one charges a purchase to a purchases are charged to a debit card. This is because as the card holder must first enter deposit money into the his or her account of the card before purchases can be made.
15). How to Compare Airline Credit Cards
When comparing airline credit cards there are certain fixed features to consider. These are APR (Annual Percentage Rate), how many miles you have to log to redeem rewards, what are the rewards, which airlines are covered and can points be redeemed on other vacation or travel related expenses such as hotels.
APR (Annual Percentage Rate)
Most airline credit cards will start off with 0APR or very low APR, but you will need to compare how long this introductory APR last.
16). How to Compare Rewards Credit Cards
Everyone likes to be rewarded, and this is one reason why rewards credit cards are so hot among consumers. Examples of popular rewards credit cards are gas and airline credit cards Rewards come in various forms, such as cash back (whether cash or credit statement payment), gift certificates, and travel miles. However, the best way to know which rewards credit card is best for your needs is to examine your spending practices.
17). The Top 3 Citibank Credit Cards
The top Citibank (Citi) credit cards were selected based on the introductory purchase APR (Annual Percentage Rate).
• Citi Platinum Select
Offering a 0 APR on balance transfer for twelve months and no annual fees, the Citi Platinum Select is a good card for balance transfer. Regular APR is 10.99%, much lower than many similar cards. There are no annual fees, although other standard fees are charged.
18). The Top 3 HSBC Bank Credit Cards
Issued by the HSBC Bank in Nevada, HSBC credit cards are valued because of their low APR which means a lot to customers who generally carry a balance on their credit cards monthly.
The top HSBC Bank credit cards based on APR (Annual Percentage Rate) were:
• HSBC MasterCard with Cash or Fly Rewards
• HSBC Platinum MasterCard
• HSBC MasterCard with Cash Back Rewards
HSBC MasterCard with Cash or Fly Rewards
This card has an attractive 0 APR introductory rate that runs for twelve months.
19). The Lowdown on the Orchard Bank Secured Credit Card
When your credit history is proving to be a hindrance to your financial well-being, perhaps it is time for you to get a secured credit card. One of the cards worth your consideration would be the Orchard Bank MasterCard secured card issued by the HSBC Bank of Nevada.
This card targets customers with poor or limited credit ratings, and aids them towards improving their credit histories.
20). How to Compare Bad Credit Credit Cards
What exactly are bad credit credit cards? These credit cards are design especially for people with bad credit who need to re-establish their credit. Most persons applying for this type of card need to first decide between a secured or unsecured credit card. A decision on whether to choose a secure or unsecured credit care is dependent on many factors, chief of which is the stability of your income.
21). How to Compare Cash Back Credit Cards
Before deciding on a credit card it is always advisable to shop around and compare various cards so as to find the one that is right for you. Cash back credit cards are normally issued to users with good credit rating. These cards are in actuality reward cards; the user is rewarded with cash and other rebates for using the card.
To be able to make.
22). How to Compare Contactless Credit Cards
Contactless credit cards are new kids on the scene, but are fast becoming popular with some cardholders. They are popularly known as blink cards. These cards can be read by a special credit card reader by just waving them in front of the reader. Some can still be used the traditional way, that is, by swiping.
These swipe-free cards are generally the same as any other credit card.
23). How to Compare Prepaid Credit Cards
The main advantage of a prepaid credit card is the ability to help the owner control their spending, after all, you cannot spend what you do not have. With this kind of card the consumer can only spend what they have deposited to the card. In this regard, a prepaid credit card is in effect a prepaid debit card.
There are many different types of prepaid credit cards on the market vying for your business, but to get the best card for you, you need to compare the pros and cons about each card.
24). How to Compare Student Credit Cards
The popularity of student credit cards has never been higher than in this, the age of the plastic generation. For students, whether new users or old pros, a credit card can be a blessing or a curse. However, good credit sense and a little knowledge on how to find the best card for you go a long way in ensuring that students do not get cards that are too expensive for their purposes.
25). How to Compare Travel Rewards Credit Cards
Travel rewards credit cards are also referred to as airline credit cards. Card holders with these types of credit cards earn travel miles whenever they use their credit cards to make payments.
Like all other credit cards, one size does not fit all when it comes to travel rewards credit cards. To get the most benefit from such a card, the customer needs to get the best card for their own needs.
26). How to Compare 0 APR Credit Cards
When a credit card is advertised as being 0 APR, the company/bank is in effect stating that there is no Annual Percentage Rate (APR) of charge. The APR is the rate at which interest is calculated on the unpaid balance of your card.
Not all 0 APR credit cards are equal. Actually, in the long run, 0 APR credit cards can turn out to be pretty expensive.
27). How to Compare Business Credit Cards
Business credit cards can be a handy tool for business large or small. Like Some business credit cards offer some of the same benefits as personal credit cards. When comparing credit cards, whether business or personal, there are some basic features to bear in mind to maximize your benefits.
These include some of the following:
The Annual Fee
For most business credit cards there are two fees, the company fee and the per card fee.
28). How to Compare Instant Approval Credit Cards
Instant approval credit cards are usually applied for online. Normally a response as to whether or not your application was successful is received minutes later via email. Generally, only persons with excellent credit can apply for these cards, although a few card issuers allow those with bad credit to do so. A few persons will sometimes still have to await an answer when they apply for an instant approval credit card, however.
29). The Top 3 Visa Credit Cards
It is not easy to select the top three Visa credit cards as comparison is normally done based on certain components, such as APR, cash back rewards, cash advance, paying off balance monthly and or carrying balance on amounts owed. As such the top three cards will change based on what criteria is used. Using the clearing monthly balance criteria the three listed below came out on top, however if cash advance was used another set would be tops.
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