Credit card users are in such high demand, that card issuers are willing to offer customers incredible points, miles, or cash back as a bonus for applying. At the same time, some offers come with 0% APR financing on both new purchases and balance transfers, for periods of up to 21 months.

While there are some cards that combine a sign-up bonus with promotional financing, those that offer one of the other will always feature more generous rewards or financing terms. So the question becomes, when should applicants choose financing over rewards.

  • 0% Intro APR on Balance Transfers and Purchases for 21 months. After that, the variable APR will be 12.99% - 22.99% based on your creditworthiness.
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater.
  • No late fees - Ever
  • No penalty rate - Ever
  • No annual fee - Ever
  • Save time when you call with fast, personal help, 24 hours a day.
Purchases Intro
Balance Transfers Intro
Regular APR
Annual Fee
Credit Needed

0%* for 21 months*

0%* for 21 months*

12.99% - 22.99% (Variable)*

$0*

Excellent Credit



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Discover it Chrome Review

July 29th, 2015

At the beginning of 2014, Discover cleaned out its closet of an entire range of reward credit card offerings and began to offer just a single card called “Discover it.” This card tried to do all things well, and was very successful. It offered a competitive rewards program, attractive promotional financing offers, and highly regarded customer service.

  • New! Double all the cash back you've earned at the end of your first year automatically—only for new cardmembers*
  • 2% cash back on up to $1,000 in combined purchases at restaurants and gas stations every quarter—no sign-ups needed.* 1% cash back on all your other purchases.
  • 0% intro APR on purchases & balance transfers for 12 months—then a variable purchase APR applies, currently 10.99% - 22.99%. A 3% fee applies to each transferred balance.
  • New Freeze It℠ on/off switch lets you prevent new purchases, cash advances & balance transfers on misplaced cards in seconds by mobile app & online.*
  • Track your recent FICO® Credit Scores for free in one easy-to-read chart on monthly statements & online.* Plus get 100% U.S.-based service.
  • No annual fee. No overlimit fee. No foreign transaction fee. No late fee on first late payment & paying late won't raise your APR.*
  • Each Discover purchase is monitored. If it's unusual, you're alerted by e-mail, phone or text and never responsible for unauthorized purchases on your Discover card.
  • *See rates, rewards, FICO® Credit Score terms & other info by clicking "Apply."
Purchases Intro
Balance Transfers Intro
Regular APR
Annual Fee
Credit Needed

0% for 12 months*

0% for 12 months*

10.99% - 22.99% Variable*

$0

Excellent Credit



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Rewards Pro – Trends In Award Availability

July 27, 2015

Anyone with experience with credit cards and award travel will eventually find out that earning airline miles is relatively easy. Spending them is actually the hard part. In recent years, airlines have drastically reduced the number of award seats that they make available at the lowest mileage levels. Instead, travelers are asked to redeemed the […]

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Should You Apply For The New Discover It Chrome?

July 24, 2015

The Discover card just released a new version of its wildly successful it card, called the Discover it chrome. This new card features 1% cash back on all purchases, plus another 1% back on gas and dining charges, on up to $1,000 each quarter of eligible spending. The it Chrome offers 12 months of interest free […]

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Citi’s Balance Transfer Credit Cards With EMV Smart Chips

July 22, 2015

Travelers to foreign countries are learning that EMV smart chips are quickly becoming the standard. At first, cards needed one of these chips to be read at kiosks such as those that sell train tickets. Now, these card readers are increasingly common in restaurants and stores where employees are just as likely to insert your […]

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Rewards Pro – How To Book An Award Flight

July 20, 2015

A lot of credit card users are tired of reward cards that earn frequent flier miles. They come to this conclusion after trying, and failing to use their miles for a trip they want to go on.  Nevertheless, there is a community of reward enthusiasts that are consistently able to find the award flights they […]

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The Importance Of Checking Your Credit Score

July 17, 2015

Your good credit is one of the most valuable assets you have. Having a strong credit report will help you to qualifying for loans at the lowest interest rates, be approved for new credit cards, and even help pass a pre-employment background check. In the past, Americans might only have found out about their credit […]

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How To Avoid Balance Transfer Fees

July 15, 2015

0% APR balance transfer offers can be incredibly valuable. These offers allow cardholders to open up a new credit card account, and transfer their existing balances to it to avoid all interest charges during the promotional financing period. But the biggest downside of these offers is that nearly all of them require the payment of […]

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