Credit Card Thread
Thread DetailsLast Edited by Schooby March 26, 2015 at 05:34 PM
|Card Name||Duration of 0%||Fee||Cap||Link|
|Virgin America Visa Signature Card||6 months||3%||$50||Link|
|Escape by Discover Card||6 months||3%||Uncapped||Link|
|Discover More Card||18 months||4%||Uncapped||Link|
|Citi Forward Card||12 months||3%||Uncapped||Link|
|HSBC GM Flexible Earnings Card||12 months||3%||Uncapped||Link|
|Barclays Coast to Coast||12 months||3%||$75||Link|
|Chase Freedom MC||12 months||5%||Uncapped||Link|
|Chase Freedom Visa||12 months||5%||Uncapped||Link|
|Slate from Chase Visa||15 months||3%||Uncapped||Link|
LOW APR CARDS
|Card Name||Duration of 0% APR||Regular APR||Link|
|Escape by Discover Card||6 months||10.99-15.99% variable**||Link|
|Miles by Discover Card||6 months||10.99-15.99% variable**||Link|
|Chase Freedom MC||6 months||12.99-22.99% variable**||Link|
|Chase Freedom Visa||6 months||12.99-22.99% variable**||Link|
|TrueEarnings Card from Costco and American Express||6 months||15.24% (prime rate + 11.99%)||Link|
|Citi Forward Card||7 months||12.99-19.99% variable||Link|
|Discover Student Card||9 months||12.99-19.99% variable||Link|
|Discover Open Road Card||12 months||11.99-19.99% variable**||Link|
|Capital One Orbitz Visa Platinum||12 months (March 2012)||13.9-19.9% variable||Link|
|Citi Platinum Select MasterCard||12 months||11.99-19.99**||Link|
|Slate from Chase||15 months||11.99-21.99% variable**||Link|
|Discover Student Card||5% CB on certain categories (rotates monthly, must manually sign up online); .25% CB on everything else, 1% when you reach $3000||Link|
|Citi Forward Card||Points redeemable for gift cards; 5 points/dollar for entertainment, 1 point/dollar for other purchases, 6000 points for spending $250 within first 3 months||Link|
|AmEx Plum Card||1.5% discount for prompt payment OR 2 months with no interest||Link|
|Discover More Card||5% CB on certain categories (rotates monthly, must manually sign up online); .25% CB on everything else, 1% when you reach $3000||Link|
|AmEx Blue Card||3% cash back at supermarkets, 2% cash back at gas stations and department stores and 1% cash back on all other eligible purchases||Link|
|Penfed Visa Platinum Cashback Rewards||5% on gas, 1% on everything else; must be Penfed member; second card on list||Link|
|Associated Bank Visa Signature Rewards Card||1% CB on everything, 1 point per dollar, 3 points per dollar on groceries, gas, drugstores||Link|
Citibank Double Cash MasterCard - 2% cash back (1% when you buy, 1% when you pay). No caps, no annual fee. Only real snag is that the DO have Foreign Transaction Fees.
NerdWallet has a decent lookup that lets you choose the type of card and filter by credit rating and features. Worth checking for current info, that's where I saw the above:
icardbonus.com has probably the most complete, although a bit outdated collection of credit card sign-up bonuses, grouped into personal, business, student and travel categories.
The credit card rewards calculator at creditcardtuneup.com will calculate expected annual rewards for your entered spending profile for many cards. It also calculates the best combinations of cards for your spending pattern.
Just a note, Discover 5% cash back is on rotating categories, might confuse some...
***9/05/13 Penfed sent notices to change 5% to 3% and add $25 annual fee if not combined with another qualifying penfed product****
A fairly up-to-date list of 0% no-fee cards is available at zeropercentbalance.com
The Penfed Visa Platinum Cashback Rewards card is only .25% on everything else but still is 5% on gas.
The latest version of the Discover It Card has no signup bonus****, but many pluses (review linky ):
• You no longer only get 0.25% on 1st $3K spent as w/regular Discover. It's 1%.
• No annual fee
• And you get a different phone # w/quick access to U.S. agents.
****I just got the Discover It card, and if you know someone that has a discover card, a referral gives $50 to the both parties (referrer and referee). Referrer: After signup. Referee: After 1st purchase within 3 months.
OR: link to get a $75 Amazon Gift Card with first purchase within 3 months. Linky --moosepigeon