20. May 2009

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Current Discover Card

Regular APR: NA
Introductory APR: NA
Annual Fee: $0
Card Strength: Parental Controls
Credit Needed: Good

You’ll like giving your teen a more secure alternative to carrying cash. They’ll like the awesome designs and the convenience. You’ll both like the way it helps teach responsible spending and makes your money almost impossible to lose.

  • Get exclusive discounts at teen’s favorite merchants
  • Set daily, weekly, and monthly spending limits
  • Restrict teen card use in unwanted shopping categories (e.g. liquor stores, tobacco stores, hotels, etc.)

Intro Offer Free deposits from any credit card or bank account
Interest Rate N/A
Rewards Details Requires no credit check. Just $5 per month, per card or save $10 with an annual membership for $50. When opening account, deposit an initial amount of at least $20 to each card. Once you choose the plan, the fee will be assessed for each card at account opening.

  • No minimum balances, loading fees, or credit check
  • Set daily, weekly, and monthly spending limits
  • Restrict teen card use in unwanted shopping categories (e.g. liquor stores, tobacco stores, hotels, etc.)
  • Free Direct Deposit for parents & teens
  • Free deposits from any credit card or bank account
  • Get exclusive discounts at teen’s favorite merchants

Other Fees

  • $3 for a new card design or replacement lost/stolen card
  • $5 for copies of statements by mail
  • $0 inactivity or “dormancy” fee
  • Four free ATM transactions per month per card (each additional ATM usage is 50 cents)

Additional Benefits

  • Add money to the card for free
  • Online print-ready statements free
  • Built-in parental controls
  • Free e-mail and text message activity alerts

Online Account Management Yes
Consumer Protection

  • $0 fraud liability guarantee

In Short: Unique Debit Card for Teens with Parental Controls


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20. May 2009

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Capital One Platinum MasterCard

Regular APR: 16.90%
Introductory APR: 0% (Until 5/2010)
Annual Fee: $0
Card Strength: Miles
Credit Needed: Good

Get the Capital One Platinum MasterCard and earn up to 25% more miles than competing miles credit cards.

  • Earn 1.25 miles for each dollar spent on purchases
  • No limit on the miles you can earn and miles don’t expire
  • No annual fee

Intro Offer Rack up rewards faster than other miles cards
Interest Rate 0% APR until May 2010 on purchases

16.90% variable on purchases
Balance Transfer Regular APR

No balance transfer fees
Cash Advance 24.90%

Cash Advance Fee: 3% of advance, but not less than $10
Rewards Details

  • 1.25 miles for every dollar spent on purchases
  • No limit on the miles you can earn and miles don’t expire
  • No blackout dates and no seat restrictions
  • Use miles for Travel, Merchandise, Gift Cards and more
  • Book travel with any airline, hotel, cruise line, or rental car company

Other Fees Late Payment Fee based on amount of account balance when fee is applied.

  • $0 – $99.99 = $15 fee
  • $100 – $249.99 = $29 fee
  • $250 or more = $39 fee
  • Over-Limit Fee based on amount of credit limit when fee is applied.
  • $0 – $499.99 = $19 fee
  • $500 – $999.99 = $29 fee
  • $1,000 or more = $39 fee.

Online Account Management 24/7 customer support and online account service
Consumer Protection

  • $0 Fraud Liability if your card is lost or stolen
  • Travel Accident Insurance
  • 24-Hour Travel and Emergency Assistance
  • Emergency card replacement or cash advance

In Short: More miles per dollar than most airline miles cards


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20. May 2009

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BuyRIGHT Prepaid MasterCard

Regular APR: NA
Introductory APR: NA
Annual Fee: $0
Card Strength: Rebuilding Credit
Credit Needed: Bad Credit

Rebuild your credit using the BuyRIGHT prepaid MasterCard, features online bill pay to pay your bills, activity alerts, and more.

  • Online money management tools
  • Free direct deposit
  • Free activity alerts

In Short: Get a card to rebuild your credit that has guaranteed approval, and no credit check required.


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20. May 2009

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American DreamCard MasterCard

Regular APR: 14.99% – 21.99%
Introductory APR: NA
Annual Fee: 0$
Card Strength: Sweepstakes
Credit Needed: Good

The American DreamCard™ MasterCard® is the first and only “Pooled Rewards™” Credit Card. Get a chance to win a large cash jackpot just for using your card.

  • Receive 1,000 Sweepstakes Entries just for applying
  • Earn entries from everyday shopping — more entries mean more chances to win
  • Large monthly cash jackpots — new winner every month


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20. May 2009

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AccountNow Prepaid Visa

This card allows you to borrow money and build credit history with no minimum balance and no overdraft fees.

  • One low monthly fee of $9.95
  • Easily deposit your paycheck and pay bills for free
  • Free Online Bill Pay and free Credit Builder help build credit worthiness

Intro Offer Borrow money and build credit history
Interest Rate N/A
Annual Fee $9.95/mo
Additional Benefits

  • Deposit paycheck and pay bills for free with AccountNow prepaid account
  • Protected from unauthorized purchases with MasterCard’s Zero Liability protection
  • Access cash at over one million ATMs worldwide
  • Build credit worthiness by reporting your payment history to PRBC®, a national credit reporting agency

In Short: Borrow money and build credit history


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20. May 2009

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AccountNow Prepaid MasterCard

Regular APR: NA
Introductory APR: NA
Annual Fee: 119.40 ($9.95/Month)
Card Strength: Rebuilding Credit
Credit Needed: Bad Credit

This card allows you to borrow money and build credit history with no minimum balance and no overdraft fees.

  • One low monthly fee of $9.95
  • Easily deposit your paycheck and pay bills for free
  • Free Online Bill Pay and free Credit Builder help build credit worthiness

Intro Offer Borrow money and build credit history
Interest Rate N/A
Annual Fee $9.95/mo
Additional Benefits

  • Deposit paycheck and pay bills for free with AccountNow prepaid account
  • Protected from unauthorized purchases with MasterCard’s Zero Liability protection
  • Access cash at over one million ATMs worldwide
  • Build credit worthiness by reporting your payment history to PRBC®, a national credit reporting agency

In Short: Borrow money and build credit history


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20. May 2009

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Citi PremierPass Elite

Regular APR: 13.24%
Introductory APR: NA
Annual Fee: $75.00
Card Strength: Event Tickets
Credit Needed: Good

Citibank card to earn you points or miles towards travel or purchases with access to special events.

Earn both miles and points toward airfare and purchases. Any airline, anytime, no blackout dates!

  • Get a complimentary ticket every time you buy a qualifying ticket
  • Get 1 Flight Point for every mile flown
  • 2 Purchase Points for every dollar spent on purchases made at supermarkets, drug stores, gas stations & more

Intro Offer Get one Flight Point for every mile flown
Interest Rate 13.24% on regular purchases
Annual Fee $75
Balance Transfer Regular APR

3% of each balance transfer; $5 minimum.
Cash Advance Prime + 16.99%, but never lower than 21.99%

3% of each cash advance; $5 minimum.
Rewards Details

  • 20,000 bonus points after $600 in purchases made within 3 months
  • 1 Flight Point for every mile flown
  • 2 points for every dollar spent on everyday purchases and 1 point for all other purchases
  • 1 point for every mile friends and family fly on tickets purchased with your card
  • Unlimited Complimentary Companion Travel (minimum fare requirements apply)
  • Online Services, including account management, statements, unbilled activity, and faster payments

Other Fees Late Payment fee: $15 on balances up to $100; $39 on balances of $250 and over

Additional Benefits

If you are approved for a Card Account, a ThankYou® Network Member Account will be set up for you.

Online Account Management Yes
Consumer Protection

  • Price protection (get a refund on the price difference if an item price changes within 60 days of purchase)
  • Retail purchase protection (against theft, fire, or accidental breakage)
  • Citi identity theft solutions including Citi Photocards

Bottom Line This card gives you points for purchases and flights


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20. May 2009

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Eufora Elite Prepaid MasterCard

Regular APR: NA
Introductory APR: NA
Annual Fee: $29
Card Type: Rebuild Credit
Credit Needed: Fair

The Eufora Prepaid MasterCard® with Credit Builder is the only prepaid MasterCard that helps you build or re-build your credit. Only $10 gets you started today!

  • FREE Direct Deposit
  • FREE Point of Sale Transactions
  • FREE 24/7 Online Access

Intro Offer Build your credit and save money
Interest Rate N/A

N/A on purchases
Annual Fee As low as $29.95
Rewards Details

  • BUILDS CREDIT! Reports to Credit Bureaus
  • 100% Guaranteed Approval* with No Credit Check – Perfect for Bad Credit or No Credit
  • FREE Direct Deposit
  • FREE Point of Sale Transactions
  • FREE 24/7 Online Access
  • FREE Live Customer Support
  • Reload at Thousands of Retail Locations Nationwide with a $5000 Maximum Value
  • Safer than Cash
  • Cash Reward Program

*See terms and conditions
Online Account Management Yes
In Short: Save money with a great cash reward program


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20. May 2009

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New Millennium Bank Secured Black Diamond MasterCard

Regular APR: 19.50%
Introductory APR: NA
Annual Fee: $59.00
Card Strength: Rebuilding Credit
Credit Needed: Bad Credit

Build or rebuild your credit the smart way with a secured credit card.

  • No credit check
  • Total credit limit up to $10,000
  • Reports to all 3 bureaus

Intro Offer Build or rebuild your credit with a secured card
Interest Rate 19.50% on regular purchases
Annual Fee $59
Cash Advance

  • APR: 19.50%
  • Cash Advance Fee :2% of advance (min. $1.00)

Rewards Details

  • Approved regardless of credit history
  • Total credit limit up to $10,000
  • Get cash at over 740,000 ATMs
  • Accepted wherever MasterCard® is accepted
  • Special high introductory savings rate

Consumer Protection

  • FDIC Insured
  • Emergency cash transfers
  • Auto rental insurance
  • Extended warranty protection

In Short: Get approved regardless of credit history or income


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20. May 2009

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New Millenium Bank Secured Gold Visa

Regular APR: 19.50%
Introductory APR: NA
Annual Fee: $59.00
Card Strength: Rebuilding Credit
Credit Needed: Bad Credit

Build or rebuild your credit the smart way with a secured credit card.

  • No credit check
  • Total credit limit up to $10,000
  • Reports to all 3 bureaus

Intro Offer Build or rebuild your credit with a Secured card
Interest Rate 19.50% on regular purchases
Annual Fee $59
Cash Advance

  • APR: 19.50%
  • Cash Advance Fee :2% of advance (min. $1.00)

Rewards Details

  • Approved regardless of credit history
  • Total credit limit up to $10,000
  • Get cash at over 740,000 ATMs
  • Accepted wherever MasterCard® is accepted
  • Special high introductory savings rate

Consumer Protection

  • FDIC Insured
  • Emergency cash transfers
  • Auto rental insurance
  • Extended warranty protection

In Short: Be approved regardless of credit history or income


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20. May 2009

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Next Millennium Black MasterCard

Regular APR: 19.50%
Introductory APR: NA
Annual Fee: $59.00
Card Strength: Rebuilding Credit
Credit Needed: Bad Credit

Raise your credit score by paying off bills linked to a savings account. Rest easy knowing that you have the money to back up your purchases.

  • Approval guaranteed
  • Secured credit limit of up to $5,000
  • No credit check

Intro Offer Get a secured line of credit of up to $5000
Interest Rate 19.50% on regular purchases
Annual Fee $59
Cash Advance

  • APR: 19.50%
  • Cash Advance Fee :2% of advance (min. $1.00)

Rewards Details

  • Approved regardless of credit history
  • Secured credit limit of up to $5,000.00
  • Get cash at over 740,000 ATMs
  • Accepted wherever MasterCard® is accepted

Consumer Protection

  • FDIC Insured

Bottom Line Rebuild credit and get MasterCard benefits


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20. May 2009

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Starwood Preferred Guest

Regular APR: 13.24%
Introductory APR: 2.9% (6 Months)
Annual Fee: $45 (First Year Fee Waived)
Card Strength: Starwood Points
Credit Needed: Excellent

The Starwood Preferred Guest Credit Card lets you earn free nights at over 890 hotels and resorts in 95 countries.

  • Earn 10,000 Starpoints® with your first purchase
  • Earn an additional 15,000 Starpoints when you spend $15,000 in 6 months
  • Use Starpoints® for free nights and upgrades at Sheraton, W Hotels, Westin and more with no blackout dates

Intro Offer Earn up to 25,000 Starpoints®
Interest Rate 2.90% for 6 months

13.24% on purchases
Annual Fee No annual fee for the first year; $45 thereafter
Balance Transfer 2.90% during the first six months of Cardmembership on balance transfers submitted on the application.
Prime + 9.99% on future BTs
Rewards Details

  • Earn 10,000 Starpoints® with your first purchase – enough for up to 3 free nights at a Category 1 or 2 hotel
  • Earn an additional 15,000 Starpoints when you spend $15,000 in 6 months
  • Use Starpoints for free nights and upgrades at over 890 participating Starwood hotels and resorts in 95 countries
  • Earn one Starpoint for every dollar of eligible spending and double Starpoints at participating Starwood properties and retail outlets
  • No blackout dates
  • Pay no annual fee for the first year and only $45 thereafter

Additional Benefits

  • Transfer Starpoints® almost always on a 1:1 basis to the frequent flyer programs of over 30 major airlines
  • Save with American Express Selects (SM): Offers, savings, entertainment, and special events all in one great place
  • American Express Online Travel: Find competitive, low prices on air, hotel, and car rental reservations, vacation packages, cruises, and last-minute deals, too

Online Account Management Yes
Consumer Protection

  • Fraud Protection Guarantee: Covers you against unauthorized or fraudulent charges
  • Return Protection: Guarantees your satisfaction on designated items within 90 days from the date of purchase
  • Extended Warranty: Mirrors manufacturers’ warranties for covered products purchased with your Card account, for up to one additional year
  • Purchase Protection: Protects covered items for up to 90 days from the date of purchase if it is stolen or accidentally damaged
  • Save with American Express SelectsSM: Offers, savings, entertainment, and special events all in one great place
  • American Express Online Travel: Find competitive, low prices on air, hotel, and car rental reservations, vacation packages, cruises, and last-minute deals, too
  • Emergency Check-In: Check into a hotel and charge your stay with the Card, even if your Card has been lost or stolen
  • Assured Reservations: Guarantee your hotel reservations with your Card and your room will be waiting for you even if you are running late.

Bottom Line The clear choice if you stay frequently at Starwood hotels


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20. May 2009

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American Express Platinum Delta SkyMiles

Regular APR: 13.24%
Introductory APR: NA
Annual Fee: $150
Card Strength: Miles
Credit Needed: Good

American Express card that lets you earn one mile for each dollar spent; Ideal for Delta Frequent Flyers.

  • Earn one mile for every dollar on other eligible purchases
  • Miles never expire and there is no cap on the miles you can earn
  • Pay with Miles: Pay for all or part of your flight with miles – and put the rest on your Card

Introductory Offer Earn up to 20,000 bonus SkyMiles® after first purchase
Interest Rate 13.24% on regular purchases
Annual Fee $150 per year
Balance Transfer 9.99% during the first 12 months of Cardmembership on balance transfers submitted on the application.
Prime + 9.99% on future BTs
Rewards Details

  • Earn 20,000 bonus SkyMiles® (including 5,000 Medallion Qualification Miles) after first purchase
  • Earn one mile for every dollar on other eligible purchases
  • Miles never expire and there is no cap on the miles you can earn
  • Earn 2,500 bonus miles for adding an Additional Cardmember
  • Pay with Miles: pay for all or part of your flight with miles – and put the rest on your Card. Start redeeming with just 10,000 miles for $100 dollars off any Delta flight with no blackout dates or seat restrictions

Additional Benefits

  • Earn 20,000 bonus SkyMiles® (including 5,000 Medallion Qualification Miles) after first purchase
  • Earn one mile for every dollar on other eligible purchases
  • Miles never expire and there is no cap on the miles you can earn
  • Earn 2,500 bonus miles for adding an Additional Cardmember
  • Pay with Miles: pay for all or part of your flight with miles – and put the rest on your Card. Start redeeming with just 10,000 miles for $100 dollars off any Delta flight with no blackout dates or seat restrictions

Online Account Management Yes
Consumer Protection

  • Emergency Card Replacement: Receive a new Card if yours has been lost or stolen in as little as 24 hours
  • Fraud Protection Guarantee: Covers you against unauthorized or fraudulent charges
  • Return Protection: Guarantees your satisfaction on designated items within 90 days from the date of purchase
  • Extended Warranty: Mirrors manufacturers’ warranties for covered products purchased with your Card account, for up to one additional year
  • Purchase Protection: Protects covered items for up to 90 days from the date of purchase if it is stolen or accidentally damaged
  • American Express Online Travel: Find competitive, low prices on air, hotel, and car rental reservations, vacation packages, cruises, and last-minute deals, too
  • Emergency Check-In: Check into a hotel and charge your stay with the Card, even if your Card has been lost or stolen
  • Assured Reservations: Guarantee your hotel reservations with your Card and your room will be waiting for you even if you are late.

In Short: Ideal for those with Good credit who fly Delta Airlines often.


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20. May 2009

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American Express Delta Reserve

Regular APR: 13.24%
Introductory APR: NA
Annual Fee: $450
Card Strength: Delta SkyMiles
Credit Needed: Excellent

Discover a noticeably richer travel experience with the Delta Reserve credit card from American Express. Pay for all or part of any Delta flight with the miles you earn with this card.

  • Earn one mile for every eligible dollar on virtually every other purchase you make with the Card
  • Earn up to 10,000 Medallion Qualification Miles with first purchase
  • Pay for all or part of any Delta flight with your miles

Intro Offer Earn up to 20,000 bonus SkyMiles® after first purchase
Interest Rate N/A

13.24% on purchases
Annual Fee *$450 per year
Balance Transfer 9.99% during the first 12 months of Cardmembership on balance transfers submitted on the application and/or within the first 30 days of Card membership. Then, 13.24%

Rewards Details

  • Earn one mile for every eligible dollar on virtually every other purchase you make with the Card
  • Earn up to 10,000 Medallion Qualification Miles with first purchase
  • Earn up to 30,000 MQMs and 30,000 bonus miles with Built-in Miles Boost(SM)
  • Spend $30,000 in a calendar year and you can earn a boost of 15,000 MQMs and 15,000 bonus miles
  • Spend $60,000 in that same year and you can earn an additional 15,000 MQMs and 15,000 bonus miles
  • Keep or gift these earned MQMs to a friend or family member they can be used toward his or her own status
  • Pay for all or part of any Delta flight with your miles with no restrictions or blackout dates
  • Annual Fee: $450 per year; or $175 if you are a qualified American Express Cardmember. No annual fee for additional cards

Additional Benefits

  • You and two guests can experience the ultimate in comfort as you wait for your next flight in the Crown Room Club
  • Free annual domestic companion certificate, which can be used for a First-Class fare or Coach-Class ticket (terms and conditions apply)
  • Access to American Express Concierge Services
  • Pay with Miles, lets you pay for all or part of any Delta flight with your miles with no restrictions or blackout dates
  • Get an annual companion certificate good for either First-Class or Coach-Class domestic travel

Online Account Management Yes
Consumer Protection

  • Extended Warranty: When you use Delta Reserve Credit Card from American Express for your purchases, membership extends your warranty for up to one year
  • Fraud Protection Guarantee: If any fraudulent or unauthorized charges are made to your account, as a Delta Reserve Credit Cardmember, you won’t be held responsible
  • Purchase Protection: When something you buy is broken or stolen, it shouldn’t be your problem. If you use your Card for eligible purchases, they’re protected from damage or theft for up to 90 days from the moment you buy them
  • Return Protection: You bought the wrong thing and the store won’t take it back. If you use your Delta Reserve Credit Card for eligible purchases, there’s no need to worry. In situations like this, American Express will be there to help
  • Car Rental Loss and Damage Insurance: When you use the Delta Reserve Credit Card from American Express to rent a car, you’re automatically covered if the car is damaged or stolen
  • Travel Accident Insurance

In Short: Pay for all or part of any Delta flight with the miles you earn with this card


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20. May 2009

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American Express Delta SkyMiles

Regular APR: 13.24%
Introductory APR: NA
Annual Fee: $95 (First Year Free)
Card Strength: Delta SkyMiles
Credit Needed: Excellent

Earn 1 mile for almost every dollar spent — plus get up to 25,000 bonus miles, enough for a total of $250 off Delta flights.

  • Earn 20,000 bonus miles the first time you make a purchase
  • Earn one mile for every eligible dollar on virtually every other purchase
  • Pay-with-Miles feature allows you to redeem miles for any Delta seat at any time at Delta.com

Intro Offer Up to 25,000 bonus SkyMiles® with first purchase
Interest Rate N/A

13.24% on purchases
Annual Fee No annual fee for the first year, then $95 thereafter
Balance Transfer 9.99% for 12 months, regular APR thereafter

Finance charges may apply to balance transfers requested after initial application.
Rewards Details

  • Earn 20,000 bonus miles the first time you make a purchase
  • Earn one mile for every eligible dollar on virtually every other purchase
  • 5,000 bonus miles when you add two Additional Cards to your account
  • Use the Pay with Miles benefit to pay for all or part of your flight with miles – and put the rest on your Card. Start redeeming with just 10,000 miles for $100 dollars off any Delta flight with no blackout dates or seat restrictions
  • SkyMiles never expire

Grace Period 20 days for purchases if previous balance paid in full
Other Fees Late Payment Fee: Subject to applicable law, $19 on balances less than $400 and $38 on balances $400 or greater. Overlimit Fee: $35, subject to applicable law.
Additional Benefits

  • Global Assist® Hotline: Whenever you travel more than 100 miles from home, we’ll provide you with emergency assistance 24/7, including medical and legal referrals, visa/passport help, cash access, lost luggage and more

Online Account Management Yes
Consumer Protection

  • Fraud Protection Guarantee means you’re not responsible for unauthorized charges
  • American Express Online Travel: Find competitive, low prices on air, hotel, and car rental reservations, vacation packages, cruises, and last-minute deals, too
  • Emergency Check-In: Check into a hotel and charge your stay with the Card, even if your Card has been lost or stolen
  • Assured Reservations: Guarantee your hotel reservations with your Card and your room will be waiting for you even if you arrive late, or the hotel will provide you with a comparable room nearby, along with transportation to your new location
  • Travel Accident Insurance: Provides up to $100,000 in accident insurance while traveling

In Short: The best card for you if you have excellent credit and fly Delta Airlines often.


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20. May 2009

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American Express Costco TrueEarnings Card

Regular APR: 13.24% APR
Introductory APR: 0% APR (3 Months)
Annual Fee: $0
Card Strength: Cash Back
Credit Needed: Good

The TrueEarnings® Card serves as both your American Express Credit Card and your Costco Membership Card with the flexibility to pay charges over time.

  • Earn Cash Back – 3% for gasoline, for annual gasoline purchases of up to $3,000 (1% thereafter), 3% for restaurants, 2% for travel, 1% everywhere else, including Costco
  • Earn a $25 statement credit with your first purchase made with the Card
  • No Annual Fee with your paid Costco Membership

Introductory Offer $25 statement credit with your first purchase
Interest Rate 0% APR for 3 months
13.24% on purchases
Annual Fee No Annual Fee with paid Costco Membership
Balance Transfer 1.99% during the first 6 months of Cardmembership on balance transfers when you transfer a balance during the first 40 days of Cardmembership.
Prime + 9.99% on future BTs

Rewards Details

Great benefits for Costco members. Non-members can apply for a Costco Membership online when applying for the credit card.

  • * The TrueEarnings Card serves as both your American Express Credit Card and your Costco Membership Card
  • * Receive a $25 statement credit for the first purchase made with the Card!
  • * Earn Cash Back – 3% for gasoline, for annual gasoline purchases of up to $3,000 (1% thereafter), 3% for restaurants, 2% for travel, 1% everywhere else, including Costco
  • * No minimum on how much you have to spend
  • * No limit on the Cash Back earned
  • * Pay over time or pay in full
  • * No Annual Fee with your paid Costco Membership
  • * The flexibility to pay charges over time

Additional Benefits

  • Save with American Express Selects: Offers, savings, entertainment, and special events all in one great place
  • American Express Online Travel: Find competitive, low prices on air, hotel, and car rental reservations, vacation packages, cruises, and last-minute deals, too

Online Account Management Yes
Consumer Protection

  • Emergency Check-In: Check into a hotel and charge your stay with the Card, even if your Card has been lost or stolen
  • Travel Accident Insurance: Provides up to $100,000 in accident insurance
  • Emergency Card Replacement: Receive a new Card if yours has been lost or stolen in as little as 24 hours
  • Global Assist® Hotline: Whenever you travel more than 100 miles from home, we’ll provide you with emergency assistance 24/7, including medical and legal referrals, visa/passport help, cash access, lost luggage and more

In Short: No Limit on the Cash Back earned


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20. May 2009

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Wired Plastic Prepaid Visa

Regular APR: NA
Introductory APR: NA
Annual Fee: $0
Card Type: Rebuilding Credit with Points
Credit Needed: Bad Credit

One of the few prepaid credit cards with a rewards program. Sign up today and avoid interest fees while paying with plastic.

  • Earn 1 point for every $1 spent, redeem for Prepaid Wireless Airtime, Music Downloads, LD Calls
  • Pay Anyone Online or Over the Phone
  • Credit Builder with Overdraft Protection

Intro Offer Receive your card in as few as 3 days!
Interest Rate N/A
Annual Fee $0*
Rewards Details

  • FREE Rewards Program – Earn 1 point for every $1 spent, redeem for Prepaid Wireless Airtime, Music Downloads, LD Calls
  • FREE Bill Pay Service – Pay Anyone Online or Over the Phone
  • FREE Credit Builder with Overdraft Protection

In Short: More features than any other prepaid with low fees


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20. May 2009

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Vision Premier Prepaid Visa

Regular APR: NA
Introductory APR: NA
Annual Fee: $0
Card Strength: Rebuilding Credit
Credit Needed: Fair

Use your Vision Premier Prepaid Visa at grocery stores, restaurants, retail stores, gas stations, and relax knowing your money is safe.

  • Earn one Vision Reward point for every $1 you spend
  • Earn 200 reward points and redeem $1 towards the purchase of prepaid wireless airtime
  • Get cash at millions of ATM locations worldwide

Intro Offer Earn one Vision Reward point for every $1 you spend
Interest Rate N/A

N/A on purchases
Rewards Details

  • Free account balance emails or cell phone texts
  • Free 24/7 online account access
  • Transfer money from your Vision Card to the bank account of your choice for free
  • Get cash at millions of ATM locations worldwide

Online Account Management Yes
Consumer Protection Unauthorized transactions are protected by the Visa Zero Liability policy

In Short: Earn one Vision Reward point for every $1 you spend


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20. May 2009

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Public Savings Bank Secured Black Card

Regular APR: Prime + 7.99%
Introductory APR: 0% APR (6 Months)
Annual Fee: Yes
Card Strength: Rebuilding Credit
Credit Needed: Bad Credit

Establish positive credit history with this excellent card designed especially for pople with no credit history, or who have current and past credit problems.

  • Reports to ALL 3 Bureaus
  • No income requirements
  • All applications accepted!

Intro Offer Start establishing positive credit history
Interest Rate 0% APR on purchases for 6 month

Prime + 7.99% on purchases
Annual Fee Disclosed in the document that accompanies your Card
Cash Advance

  • Introductory APR: 10.99% for first 6 billing cycles
  • Regular APR: 19.99% – 23.99%
  • Cash Advance Fee: The greater of $5.00 or 3.5% of the total dollar amount advanced for each cash advance

Rewards Details

  • Choose your credit limit. Up to $1 million
  • Build good credit – reports to all 3 major credit bureaus
  • Accepted where you see the Visa logo
  • * Free 24-hour online account access

Additional Benefits

  • Free Visa Rewards including auto collision damage and emergency card replacement

Consumer Protection

  • $0 fraud liability

Bottom Line Establish credit with a secured Visa


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20. May 2009

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Next Millennium Visa Standard

Regular APR: 19.50%
Introductory APR: NA
Annual Fee: $59
Card Strength: Rebuilding Credit
Credit Needed: Bad Credit

Raise your credit score by paying off bills linked to a savings account. Rest easy knowing that you have the money to back up your purchases.

  • Approval guaranteed
  • Secured credit limit of up to $5,000
  • No credit check

Intro Offer Get a secured line of credit of up to $5000
Interest Rate 19.50% on regular purchases
Annual Fee $59
Cash Advance

  • * APR: 19.50%
  • * Cash Advance Fee :2% of advance (min. $1.00)

Rewards Details

  • * Approved regardless of credit history
  • * Secured credit limit of up to $5,000.00
  • * Get cash at over 740,000 ATMs
  • * Accepted wherever MasterCard® is accepted

Consumer Protection

  • FDIC Insured

In Short Rebuild credit and get Visa benefits


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