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Discover® Open Road Card Review September 9, 2011 - 9:02 amThe Discover® Open Road card pays double cashback rewards on gas and restaurant purchases and up to 1% unlimited cashback on all other purchases you make throughout the year. The card has no annual fee and features a 0% introductory rate on purchases and balance transfers for 15 months. Perhaps best of all, you can earn a $150 Restaurant.com gift card if you use your card with in 6 months of approval.
Reward Program
Here’s how the rewards program works:
Each month you earn 2% cashback on your first $250 in gas and restaurant purchases. That’s a chance to earn $5 cashback each month on purchases you would have earned anyway – $60 per year.
Your other purchases can earn up to 1% unlimited cashback…
Blue Sky from American Express(R) Card Review September 8, 2011 - 8:59 am
The Blue Sky from American Express(R) card is a simple, straightforward rewards card that lets you redeem your rewards for a statement credit. There’s no annual fee and rewards never expire. Unlike American Express charge cards, this is a credit card meaning you’re not required to pay your balance in full every month. Instead, you can pay it over several months if you choose.
Rewards Program
With the American Express Blue Sky, you earn points on all your purchases, then redeem points for a statement credit towards your travel purchases. You earn one pont for every dollar you spend. Every 7,500 in points ($7,500 in purchases) is worth a $100 statement credit. Earn one point for every dollar. Points don’t expire and there are no…
Discover® Motiva Card Review September 7, 2011 - 3:57 pm
On the surface, it seems like the Discover® Motiva Card rewards customers for paying their bill on time. But it really seems like the card rewards you for carrying a high balance and paying a lot of interest. The card rewards you with 5% of your interest charges as a cashback bonus every month that you make your payment on time. Earning the maximum amount of 5% bonuses would mean that you pay a lot of interest and to do that, you’d have to revolve a high balance. If you always pay your balance in full every month, you’ll never get the 5% interest bonus.
5% Pay-On-Time Bonus Example
Let’s say you have a $1,000 balance at the 3.99% introductory interest rate. You paid the…
Miles by Discover® Card Review August 20, 2011 - 8:06 am
Miles by Discover® is a great travel rewards credit card. The card features a 0% introductory APR on both purchases and balance transfers for the first six months. After that, the regular APR for purchases is between 10.99% and 15.99% based on your credit history.
Perks
There’s no annual fee, which is rare for a rewards card. You can earn up to 12,000 bonus Miles in the first year just by using your credit card for one purchase each of the first 12 months you have your card. You’ll earn 1,000 each of those months and 12,000 if you make a purchase all 12 months. You get a $100 travel credit to your account when you redeem 10,000 Miles for a travel purchase as long…
Escape by Discover® Card Review August 18, 2011 - 8:05 am
Escape by Discover® Card is a premier travel rewards credit card offered by Discover. The card lets you earn double rewards you’d earn with Miles by Discover, which has no annual fee.
Perks
Perhaps the biggest benefit of Escape by Discover is that you can earn 25,000 bonus Miles earned if you make a purchase every month for the first 25 months. You earn 1,000 each month you make a purchase and the full 25,000 as long as you make a purchase every month. It only applies for the first 25 months of the card.
With Escape by Discover you earn an unlimited number of double Miles for every $1 you spend on purchases versus just 1 Mile per $1 spent on most purchases on…
Discover® Student Open Road Card Review August 17, 2011 - 11:04 am
The Discover® Student Open Road Card is Discover’s student version of its Open Road gas rewards credit card. One of the main benefits of this credit card is that it lets student earn extra rewards on gas and restaurant purchases with no annual fee. A second big benefit is the 0% introductory APR on purchases which lasts up to 9 months for those who qualify, of course.
Interest Rates and Fees
After the introductory purchases APR expires, the regular APR ranges from 12.99% to 19.99%, depending on your credit history. There’s a 23.99% cash advance APR and cash advance fee of $10 or 5%, whichever is greater. If you fall behind on your credit card payments by more than 60 days or default on your…
Gold Delta SkyMiles(R) Credit Card from American Express – Review August 3, 2011 - 11:04 am
If you frequently fly on Delta and you want a great frequent flier program, consider the Gold Delta SkyMiles(R) Credit Card from American Express. Note the “credit card” in the name. Unlike American Express charge cards, you don’t have to pay your balance in full with this credit card. However, it’s always a good idea to avoid paying interest on rewards credit cards. You want to keep the card cost to a minimum.
You earn 20,000 bonus when you make your first purchase and 5,000 if you add extra card members to your account. That 25,000 bonus is worth about $250 in airfare.
Fees and Interest
The Gold Delta SkyMiles American Express credit card has a $95 annual fee that’s waived in the first…
American Express(R) Gold Card Review August 3, 2011 - 11:01 am
American Express is one of the most coveted cards in the world. Their basic charge card offerings have remained the same through several years. The American Express(R) Gold Card card, which is the mid-tier card, has exceptional rewards starting with a $75 dining credit when you stay two or more nights at certain Sheraton, Westin, W, and Le Meridien hotels and resorts. All you have to do to get your rewards is book your hotel stay using the Gold Card Hotel Program.
Fees & Interest
The Gold card has a $125 annual fee, which is waived in the first year. That means you get
to enjoy the benefits for your card for an entire year before you have to pay anything. The annual fee is…
Discover® More Card Review July 15, 2011 - 4:45 pm
One of the best things about the Discover® More Card is the 0% introductory APR that lasts for 15 months. That’s much longer than many competitors. The intro APR, if you qualify, is available for both purchases and balance transfers. It’s much easier to pay off high interest rate credit card balances when you move them to the Discover More card. The balance transfer fee is 3%, which is comparable to what other credit cards charge.
And if you don’t have a balance to transfer, you can use your card to make a big purchase – new furniture or a vacation – and pay off the item within 15 months, interest-free. It’s just like paying cash.
After the intro APR expires, the regular APR is…
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