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Gas Rebate Credit Cards: The only way to combat rising fuel prices other than not driving is to use a gas rebate credit card for all of your fuel purchases. If you use a gas rewards card that offers you up to 5% cashback on gas or diesel fuel, you can knock off more than .20 a gallon which equates to almost $4 every time you fill your tank. All gas rebate cards come with 0% terms. |
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0% APR Credit Cards: Have the luxury of paying no interest for 1 year with 0% APR credit cards. All of these deals come with no annual fees and low variable interest rates after the consclusion of the the 0% term. With 0% APR credit cards it is very important to pay your bill on time as failure to do so may result in forfeiture of your 0% term. |
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Instant Credit Cards: If you need credit immediately, instant credit cards will notify you of your acceptance in less than 60 seconds. Due to the current state of the economy, the only issuers providing instant decisions for those with good credit are American Express & Discover. However, all offers for bad credit offer instant approval. |
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Balance Transfer Credit Cards: With a few clicks of your mouse you may transfer your high balances online to a new card with a 0% introductory term, and in many cases a lower variable rate thereafter. Currently, all no fee balance transfer credit cards have been stripped from the market except for the ESPN Visa Card. |
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Cashback Credit Cards: If you have the discipline to make a majority of your life purchases on your credit card, you can make a substantial amount of money with cashback credit cards. Most cashback cards offer between 1-5% cashback on your purchases with Discover offers being the highest with a full 5% and up to 10% when you redeem rewards as gift cards. |
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Travel Rewards Credit Cards: Lenders have begun to move away from co-branded credit cards between themselves and airline carriers. This has been done in part to the flexibility of regular travel rewards credit cards. With travel rewards credit cards you may choose to fly on virtually every airline with no blackout dates. They operate on points based systems and points may be used for cruises and hotels as well. |
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Business Credit Cards: Starting a business comes with an array of costs and lending personal funds to your business creates an accounting nightmare. One of the best ways to subsidize these costs is through business credit cards. These deals will offer you the capital to expand or jump-start your business and provide you with the opportunity to begin to build your business credit rating. |
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Student Credit Cards: Student credit cards are an excellent way to establish your credit history. The decisions you make in your late teens and early 20's have more of an effect than you may think on the way your credit history unravels. Apply for a student credit card and begin to show lenders that you are a responsible candidate while providing yourself with the buying power to subsidize the rising costs of your education. |