shopping with credit cardsWhen you are approved for a credit card, the card comes in the mail a few days later, along with a booklet that details all of the benefits of this card. Most people just throw away this brochure full of fine print, but as a credit card expert, my job is to actually read it.

One of the hidden gems that I have found in these books is the retail purchase protection and return protection policies that many cards offer. For example, the Citi® Diamond Preferred® Card, and several other Citi cards feature a retail purchase protection policy that covers purchases made with a Citi card against theft or damage, up to $1,000 for up to 90 days from the date of purchase. It actually covers up to $1,000 per incident and up to $25,000 per account, per year. [click to continue…]

discoverThe Discover it® card does a great job of trying to be one card for all purposes. It features introductory financing offers, rewards for spending, and a range of other features and benefits. In addition, it also comes in three different versions.

Here are those versions, and who should apply for which:

Discover it® with 14 months of interest free financing on new purchases and balance transfers

This version allows cardholders to enjoy fourteen months of 0% APR financing on both new purchases and balance transfers, with a 3% balance transfer fee. [click to continue…]

No-Fee Barclaycard Arrival Vs. Citi ThankYou Preferred

August 18, 2014
No-Fee Barclaycard Arrival Vs. Citi ThankYou Preferred

Many credit card users want to earn as many rewards as possible, but without paying an annual fee. Citi offers its ThankYou Preferred card while  Barclaycard has a no-fee version of its Arrival card that feature bonus rewards for dining, and no annual fee. Lets see how these cards compare: Earning rewards The offers double […]

Continue Reading →

U.S. Bank FlexPerks Travel Rewards Visa Signature card

August 15, 2014
U.S. Bank FlexPerks Travel Rewards Visa Signature card

Reward card holders are often frustrated with airline miles. Carriers are constantly devaluing their miles by requiring more miles for the same trips and reducing award availability to near zero on coveted flights. One alternative is to use a credit card that offers its own travel rewards points that can be redeemed for flights on […]

Continue Reading →

Best 0% APR Offers For August

August 13, 2014
Best 0% APR Offers For August

There are two ways to enjoy promotional financing offers from credit cards. One way is to spend the money first, and then hope to qualify for a 0% APR balance transfer offer. Yet in most cases, these balance transfer offers require the addition of a 3% balance transfer fee to your new balance. So if […]

Continue Reading →

Best Travel Rewards Promotions for August

August 11, 2014
Best Travel Rewards Promotions for August

This August, travel is on the minds of many Americans. It is not just summer break, but savvy travelers are now looking to earn rewards for Thanksgiving, the winter holidays, and even spring break 2015. This August, there are several exceptional travel rewards credit cards being offered: This card is one of the best no-fee […]

Continue Reading →

Rewards Pro – Maximum Value Credit Card Rewards

August 8, 2014
Rewards Pro – Maximum Value Credit Card Rewards

If you use credit cards long enough, and are serious about earning rewards, then it is only a matter of time until you start trying to find the maximum value from your credit card rewards. Cash back vs. Travel Rewards There are credit cards that will offer as much as 2% cash back on all […]

Continue Reading →

Best Rewards Credit Card Deals For August

August 6, 2014
Best Rewards Credit Card Deals For August

This summer, reward credit card users deserve their share of cash back for their loyalty. The ideal cash back rewards card user is someone who pays all of their statement balances in full and on time, every month. This August, reward credit card users should consider the following offers: Freedom continues to be an incredibly […]

Continue Reading →