Credit Card Comparison Blog

Why You Should Choose Citibank

There are so many financial institutions out there. There are hundreds of companies that offer credit cards. So, how in the world are you supposed to know which one is right for you?

It helps to do your homework. Take a look at the top credit card companies you have to choose from. What are other customers saying about them? Are they pleased with the service they have received? How are the terms and conditions? Is the company a reliable company with a strong reputation?

Your personal finances will be the deciding factor as to which lender to choose. However, you are sure to be safe if you choose a Citi credit card from Citibank.

Check out the top reasons why you should choose Citibank for your credit card needs.

1. Strong track record. Citibank is the number one global financial services company. That means that they know how to do business and they do it well. Customers from around the world share the opinion that Citibank is one of the best companies to choose from.

2. A card for everyone. Some credit card companies tailor their products and services to one specific group. Not Citibank. Citibank offers a wide variety of credit cards for businesses, students, individuals, families, etc. You can be sure to find the perfect card for all of your needs within the Citibank network.

3. Countless rewards. Just as Citibank offers countless types of credit cards for many different needs, it also offers credit cards with countless rewards. You can choose a travel credit card, a gift card credit card, a cash back credit card and much, much more. If you are tired of using a credit card that really doesn’t benefit you at all, it is time to switch to one of Citibank’s countless rewards credit cards.

Citibank has it all. Citibank has a strong reputation that you can count on. You should really switch to a Citibank credit card for these reasons and so many more.

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Out With the Old In With the New

Don’t you just love it when the products you love get better and better and better?

The American Express Wishlist is one of those products. The AMEX Wishlist is now AMEX Daily Wish. Daily Wish offers the “products you want and the prices you wish for.” Daily Wish is sure to make your holiday season more magical and your New Year more meaningful.

Daily Wish reveals new sales every single day. Log in to your AMEX Network account to view those deals. You can even sign up to view Daily Wish sales in advance.

So, who is eligible to take advantage of Daily Wish deals?

If you have an American Express card, you are eligible! All you need to do is go to http://dailywish.amexnetwork.com.

1. Use your American Express Credit Card and sign up for Daily Wish today.
2. Log in often, especially on Tuesday, Wednesday and Thursday (these days release new offers).
3. When “sale day” rolls around, the sale time is posted and the countdown begins. The time is limited to take advantage of these hot deals.
4. Simply click on “I Want It” as soon as the sale starts. Each deal is on a first come, first serve basis so you have to be quick!

The American Express Network has teamed up with even more retailers to offer AMEX card holders exclusive deals. Daily Wish deals range from travel packages, electronics, clothing/apparel, concert tickets, sporting event tickets and so much more.

The American Express Wishlist is new and improved…It’s the American Express Daily Wish. You can get all of your holiday shopping done early and for much less than you would spend elsewhere. Plus, you are sure to have money left over because of the incredible deals you will find at the AMEX Daily Wish.

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Costco American Express Review

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The Simmons First Visa Platinum

The Simmons First Visa Platinum is one of the top-rated credit cards on the market today, by both consumers and Money Magazine. In order to take advantage of the benefits that the Simmons First Platinum card, you must have excellent credit.

The Simmons First Visa Platinum comes with an unbelievably low interest rate. Have you ever heard of a credit card that comes with an interest rate lower than 10%? How about 9? 8? The Simmons First Visa Platinum comes with a standard variable APR of only 7.25%. You can also take advantage of Platinum benefits with the Simmons First Visa Platinum card. No other credit card offers such amazing perks and benefits.

For the first six months, you will also receive a 0% APR on all balance transfers. You won’t even have to pay any balance transfer fees. But wait, it just keeps getting better and better. All of the fees associated with the Simmons First Visa Platinum are lower than standard fees. You’ll pay lower cash advance fees, overlimit fees, etc.

You will never have to pay an annual fee with the Simmons First Visa Platinum card. Never. This means that you can take advantage of all of the amazing platinum benefits associated with this card, for free. You will never be penalized with an annual fee.

Customers who are already using the Simmons First Visa Platinum card all agree that the low, low, low APR is the most beneficial perk associated with this card. This low interest rate prevents them from paying more than their card is worth. And, it keeps their heads above the credit card waters.

Check out the Simmons First Visa Platinum credit card today and see how much a quality credit card can actually improve your life.

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Become a Preferred Guest

You don’t have to be royalty or famous to become a preferred guest anymore. All you have to do is become a Starwood member.

How do you do this? Simply sign up for the Starwood Preferred Guest Credit Card from American Express. Not only will you become a preferred guest at millions of locations across the world, but you will be able to take advantage of American Express’ superior customer service program.

The Starwood Preferred Guest card is the perfect card to get you where you want to go…anywhere in the world! With this American Express preferred card, you will automatically earn 10,000 Starpoints after you make your first purchase. It’s that simple to get started.

To earn Starpoints, you simply need to use your card. Every time you use your card, you will automatically earn the Starpoints you deserve. There aren’t any annoying papers or applications that you need to fill out, so it makes it even more advantageous to use Starpoints.

Starpoints can be redeemed at over 825 Starwood Hotels and Resort destinations worldwide. You can either earn a discounted rate by using your points or save those points to earn one, two or more free stays. These points can also be used for airline tickets that can be purchased with over 30 different airline partners. There are never any blackout dates either. You won’t have to pay an annual fee for the first year and every year after that is only $45.

For every dollar you spend, you will earn 1 Starwood point. When you shop with Starwood preferred retail partners or at different Starwood properties around the world, you can earn double the points.

The application process is extremely easy and you can have your decision in less than 60 seconds. Go ahead and apply online so that you can become a preferred guest today.

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The Best of Instant Approval Credit Cards

Instant approval credit cards are the best thing to hit the credit card industry in decades. They let the consumer have an approval decision in less than 60 seconds. They also allow the credit card company to lend to a greater number of people. Overall, the entire credit card has been sped up and modified because of instant approval credit cards.

Not every credit card offers instant approval. However, enough do that there is a wide selection to choose from. Here are just a few of the best instant approval credit cards.

Discover More Card-Clear
The Discover More Card in the Clear version allows you to earn more rewards…cash back, than any other credit card on the market today. There is no limit to the amount of cash you can earn and you are able to earn everything automatically every time you use your card. Discover also rewards you more by giving you double rewards when you shop with its Bonus Partners and up to 20% whenever you shop online. If you are looking for an instant approval credit card and really want to earn significant cash back, it’s time to check out the Discover More Clear card.

Applied Bank Secured Visa Credit Card
Traditional credit cards aren’t the only ones that come with the instant approval guarantee these days. Secured credit cards are also now available with instant approval. The Applied Bank Secured Visa is the perfect card if you are building or rebuilding your credit. It comes with a 9.99% fixed interest rate, no income requirements and credit bureau reporting. Although this works like a debit card does, it gives you the chance to rebuild your credit the same way a credit card does. However, a secured visa card makes sure that you stay within the boundaries of what money is available.

As you can see, there are so many different types of credit cards to choose from. Many of these credit cards come with the instant approval guarantee, which is sure to make your life a lot easier and carefree. Don’t wait weeks to get your approval. Get it in less than 60 seconds with an instant approval credit card from PlasticRewards.com today.

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One Card Worth Talking About

When it comes to credit cards, there are plenty on the market today. In fact, that is probably an understatement. There are hundreds of different credit cards to choose from. There are the traditional credit cards, rewards credit cards, travel credit cards, credit cards for people with poor credit and so many more.

Just because the market is laden with a variety of credit cards to choose from doesn’t necessarily mean that all of the credit cards out there are good ones. In fact, compared to the total number of credit cards, there are only a handful of really good ones.

One of those is the Citi Platinum Select MasterCard.

The Citi Platinum Select MasterCard has everything that you could possibly need in a credit card all rolled into one. It combines the quality of a MasterCard with the unbeatable benefits of a Citi card.

After receiving approval for the Citi Platinum Select MasterCard, you’ll be able to enjoy 0% APR on all purchases and balance transfers for the first 12 months. That means that you don’t have to worry about incurring more debt for an entire year!

The Citi Platinum Select card also comes with a number of excellent standard features. These features include Citi’s well-known Identity Theft Solutions program, free (not to mention secure) online account management capabilities and $0 liability on all unauthorized purchases.

Once you become a Citi Platinum Select cardholder, you’ll automatically be eligible to take advantage of some incredible deals. You will be able to enjoy extra benefits and discounts at the places where you shop the most. What’s even better is that all of this comes with a $0 annual fee. You’ll be getting amazing deals for nothing.

Not all credit cards are created equal and most of them out there today aren’t even worth mentioning. However, the Citi Platinum Select MasterCard stands well above the rest for the benefits that automatically come with it.

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3 Main Reasons Why I Rely So Heavily On Credit Cards

I love credit cards; I have loved using credit cards for as long as I can remember. I need to be clear however, that I do not ignorantly spend or run up debt that I cannot pay off at the end of the month. There are three main reasons why I rely so heavily on credit cards and I have outlined them below:

1. Ease of use. I never carry cash, ever!

2. Year end financials are pre-organized by card provider

3. Travel perks

I would like to spend some time today focusing on perk #3. Let me just be frank, I have not paid for an airline ticket in at least 5 years. Yes 5 years. Now mind you that from time to time when the airlines have slashed prices or had promotions, I may have decided to save my miles and purchase a ticket, but my usage of my American Express Delta Sky Miles card has allowed me to travel as I please. I am a small business owner, hoping to one day be a large business owner, but have used the AMEX for almost all of my day to day purchases for office supplies and equipment.

In my business I can be found buying anything from a new fax machine, reams of paper, to lunch for the entire office. Why would I want to write checks or pay cash when I can get miles for using my card? I must remind you that more than just the miles for my card and travel perks, I love how my purchases are itemized monthly and again at year end.

Perhaps one of the most exciting trips I have taken almost completely on travel award points from my American Express Delta Sky Miles card, has been our family trip to Greece! If you have never been to Greece, I strongly suggest getting an AMEX, charging it up and making plans to hang out on the cliffs of Santorini, overlooking the Mediterranean Sea.

Eric Kandell

Owner

LowVARates.com

Posted in American Express Credit Card Reviews | 1 Comment »

Credit Cards With No Annual Fees

Does it really make sense to pay an annual fee to your credit card company? Absolutely not. Annual fees usually guarantee that the cardholder qualify for exclusive benefits and offers. However, there are plenty of credit cards out there that offer incredible benefits without an annual fee.

Here are just a few.

Citi Platinum Select MasterCard
What’s so great about the Citi Platinum Select card? Well, for starters, there is no annual fee associated with this great credit card. You will also earn 0% interest on all of your balance transfers and purchases for the first year. You will be protected against fraud through Citi’s Identity Theft Solutions program. This means that you won’t be held responsible for any unauthorized purchases. You can take also take advantage of Citi’s free online account management center which helps you take complete control of your account. Lastly, you’ll get some added incentives from Citi. These incentives include: exclusive discounts and savings on travel purchases, merchandise, gift cards, etc. You don’t have to pay an annual fee to get exclusive benefits with the Citi Platinum Select MasterCard.

TrueEarnings Card from Costco and American Express
You’ll get the best of both world with the TrueEarnings card from Costco and American Express. You don’t have to pay an annual fee for your credit card when you simply pay the low Costco membership each year. Each time you use the TrueEarnings card, you will automatically earn cash back. You’ll get…

-3% cash back for all of your gasoline purchases per year up to $3,000
-1% cash back for all gas purchases over $3,000 per year
-3% cash back for all of your restaurant purchases
-2% cash back for all of your travel purchases
-1% cash back for all other purchases

There is no limit to the amount of cash you can earn with the TrueEarnings card from Costco and American Express. Instead of having two different cards (one American Express card and one Costco membership card), the TrueEarnings card serves as both. Therefore, you’ll have more room in your wallet and more cash in your account from all of the cash you will earn.

It simply doesn’t make sense to pay an annual fee. Paying an annual fee really doesn’t ensure that you will receive any better rewards than other reward credit cards. Check out the Citi Platinum Select MasterCard or the TrueEarnings Card from Costco and American Express to take advantage of incredible deals without paying an annual fee.

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Are You Using Your Credit Card Rewards Program Correctly?

Are You Using Your Credit Card Rewards Program Correctly?

There are countless credit card rewards programs out there. These programs have become extremely popular in the past several years. Consumers like the fact that they can get “paid” for using a credit card. However, there is one important thing to consider. Are you using your credit card rewards program correctly?

In order to use this program correctly, you must be using your credit card correctly. Afterall, does it really makes sense to accumulate reward points if you are paying outrageous amounts in interest? Absolutely not.

Similarly, the points you cash in don’t mean a thing if you aren’t using your rewards program correctly. Follow these easy steps to get the most out of your rewards program.

1. Stick to your budget. What good does it do to your finances if you are consistently overspending every month? Sure, it can really pay off to use your credit card to make everyday purchases, but you need to keep those purchases in check. Don’t spend more than you make. If you do, you will have an easy time getting into credit card debt. The rewards points you accumulate won’t go very far in helping you get out of credit card debt. So, make sure you stick to your budget.

2. Are you paying off the balance every month? Do you pay off your credit card balance every month or do you let the balance roll over? Your balance shouldn’t be accumulating…your points should be. By not paying off your balance every month, you end up paying interest to those lovely credit card companies. The interest you end up paying completely negates the rewards points you accumulate.

3. Fees. Anytime you pay a credit card fee, you are wasting your money. These fees range from $15 per fee to almost $100 per fee. Trust me, the points you earn by avoiding whatever you were avoiding are not worth it. It is more worth it to keep that “fee money” in your wallet.

Millions of credit cardholders use rewards programs. In order to get the most out of your rewards program, you need to be using your credit card correctly. While it is important to earn and accumulate points, it is more important to stick to your budget, pay off the entire balance every month and avoid paying any fees at all costs.

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