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Average Credit Card Rates in December 2011 December 23, 2011 - 11:14 am

Average credit card interest rates for consumers and businesses changed during the first half of December, 2011 despite a stable US bank prime rate of 3.25%. Not all credit card interest rates are directly linked to the prime rate and there are a variety of reasons why the average credit card interest rates might change even with a stable US bank prime rate. December 2011 Average Credit Card Rates In December, the difference between interest rates for individuals with good credit compared to individuals with average credit narrowed, dropping between a half a percent to 3.57%. The overall average interest rate for all credit cards is 16.71%. The only category of credit cards which did not change their average interest rates this quarter are business…

Green Dot Prepaid MasterCard Review October 24, 2011 - 6:35 am

The Green Dot® Prepaid MasterCard® is a good option for people who need an alternative to a credit card and a checking account. There’s no credit check, so you don’t have to worry about being turned down because you have limited or bad credit. You can use the Green Dot Prepaid MasterCard in places where major credit cards are accepted. Be careful trying to use the card to rent cards, some rental agencies may not accept prepaid cards as a method of payment. Perhaps the biggest drawback of the Green Dot Prepaid MasterCard is the number of fees the card charges. There’s no activation fee when you get the card online. However, when you activate your card at a retail store, like Walgreens, you’ll pay…

Applied Bank Secured Visa Gold Card Review October 21, 2011 - 3:35 pm

Secured credit cards are a good option for consumers who have a negative credit history keeping them from being approved for traditional credit card. The Applied Bank® Secured Visa® Gold Credit Card has a few great perks. For example, it has a fixed 9.99% interest rate that never changes, even if you’re late on a credit card payment. There’s no penalty APR for late payments. Credit Limit and Bureau Reporting Your credit limit is equal to your security deposit as long as it’s between $200 and $5,000. While your deposit is placed in an account, you don’t earn any interest on the deposit. Applied Bank says it reports your account history to the credit bureaus, which is a big benefit considering a secured credit card…

American Express Premier Rewards Gold Card Review October 21, 2011 - 3:33 pm

The American Express® Premier Rewards Gold Card is a charge card with lots of perks. Since this is a charge card, you’re expected to pay your balance in full every month. That means you pay no interest on your purchases. There’s no pre-set spending limit. Instead, American Express decides how much you can charge based on your income and payment history. Earn triple points on airfare, double points on gas and groceries, then earn single points on everything else. Get 10,000 bonus points when you make your first purchase within one year of opening your card. You must open your card by December 31, 2011 to qualify for the 10,000 bonus points. If you spend $30,000 in one year, you’ll earn 15,000 bonus points. You…

IBERIABANK Visa® Gold Card Review September 28, 2011 - 6:00 pm

The IBERIABANK Visa® Gold Card is a great low interest rate credit card that pays cash back rewards. Like other Iberia Bank cards, you’ll need excellent credit to qualify for the lowest rate. The rewards program is simple and straightforward – one of the easiest to understand of all reward programs. You earn 1% cash back on purchases with no limits or expiration on the rewards you can earn. You can keep your rewards as long as your account remains in good standing. The rewards may be lower than some other credit cards out there, but so is the interest rate. It’s typically a bad idea to carry a balance on rewards cards because the interest rate is so high. But carrying a balance on…

IBERIABANK Visa® Platinum Card Review September 28, 2011 - 5:57 pm

The IBERIABANK Visa® Platinum Card is a great card for those looking for a low interest rate credit card. You’ll need excellent credit to qualify for this credit card. The card has a rewards program that pays 1 point for each $1 you spend on qualifying purchases. You also have the opportunity to earn 17,000 in bonus points the first year. You can redeem points for merchandise and travel rewards online, over the phone, or by mail as long as your account is in good standing. Points can’t be purchased, so you need to have enough points in your balance to cover the award you want to receive. You can enjoy this low interest rate credit card and the rewards at no annual fee. Applying…

Iberia Bank Visa® Classic Card Review September 16, 2011 - 11:43 am

The IBERIABANK Visa® Classic Card is a great card for those looking for a low interest rate credit card. You’ll need excellent credit to qualify for the lowest rate of 7.25%. The card doesn’t have any frills or major perks, so it’s great if you’re looking for a simple credit card to carry a balance on from time to time. The application process for Iberia Bank credit cards is a little more stringent than for other credit cards. You’ll have to provide a recent paystub and Iberia Bank will verify your employment before they’ll issue you a credit card…

TrueEarnings(R) Card from Costco and American Express – Review September 12, 2011 - 8:09 am

The TrueEarnings(R) Card from Costco and American Express lets you earn cash back on your purchases. American Express is the only major credit card accepted at Costco and the True Earnings card acts as your Costco club membership card. There’s no annual fee for the credit card, though you do have to purchase a Costco membership to get the card. The Costco membership fee is automatically billed to your credit card each year. How to Earn Rewards Earning rewards with the True Earnings Card from Costco and American Express is easy; just use your credit card where American Express is accepted. Earn 3% cashback on annual gas purchases up to $3,000. Gas purchases after $3,000 earn 1% cashback. Earn 2% cashback on restaurants, 2% cashback…

Starwood Preferred Guest(R) Credit Card from American Express – Review September 11, 2011 - 8:06 am

The Starwood Preferred Guest(R) Credit Card from American Express lets you earn free stays at hotels and rewards all over the country. Not only that, the points you earn can also be redeemed for free flights. You earn points for nearly every dollar you spend on your card and extra points for booking Starwood hotel stays on your card. Get a signup bonus of 10,000 Starpoints after you make your first purchase. You can earn additional 15,000 Starpoints if you spend $15,000 in the first six months. Those 25,000 points are enough to earn 6 free nights at a Category 1 or 2 hotel. Hotel stays range from 2,000 per night at a Category 1 hotel to 35,000 points at a Category 7 hotel. You…

Prepaid Visa® RushCard Review September 10, 2011 - 8:05 am

The Prepaid Visa® RushCard is a Visa card used as an alternative to a traditional credit card. The card can be used at all places Visa credit cards are accepted. Because you prepay your balance, there’s no risk of going over your credit limit or facing overdraft charges. There’s no credit check required to get the RushCard, so you can qualify even if you have bad credit. How to Add Money to Your Rush Card You can add money to your RushCard in several different ways. Set up direct deposit from your job or have government benefits directly deposited onto your card using your Direct Deposit ID number. Direct deposit is free. You can make a cash deposit via Money Gram, Western Union, or Green…

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