Discover Rewards
The best feature on the Discover Open Road Card for Students is the rebate for gas and other auto expenses. Students can earn up to 5% back when they purchase gas or use the card to pay for card repairs. This makes it a great card for students who have a car with them on campus.

It also provides cash rebates at the standard discover rates for other purchases. A person will get .25% cash back for purchases up to $1,500, .50% cash back for up to $3,000 in purchases and 1% cash back for purchases over $3,000. The problem with this program is that it is doubtful that a college student will make that many purchases.

The bonuses will be redeemed through the Discover rewards program. This pays the student back in $20 increments. Students will also be able to earn a double cash back reward when shopping at merchants at Discover rewards partners. Double cash back rewards maybe available at all gas stations and restaurants.

APR
The APR on the Discover Open Road Card for Students is actually pretty good. The variable purchase APR is 11.9%-19.99% which is actually pretty low. There is also 0% purchase APR available for nine to twelve months.

The Discover Open Road Card for Students would be a great card for students who want to keep their payments road. It’d also be a pretty good introductory card. Especially for students who don’t use the card that much.

The cash advance APR is a little high at 23.99% this could hit students who use the card as an emergency source of cash hard. The balance transfer rate ranges from 16.99% to 24.99% for purchases and 28.9% for transferring cash advances. So students could save money by transferring balances to the Discover Open Road Card for Students.

Drawbacks
The biggest drawback to the Discover Card as anybody who has ever used one finds out is that it is not accepted everywhere. Many smaller businesses don’t accept it and neither do some of the major national chains.

It might not be possible for a student to use this card on campus or at the corner bar. That of course may not be a bad thing for mom and dad.

Shop Discover
Discover rewards and the Discover Open Road Card Students can also be used at Discover’s Shop Discover website. This is an online store with icons for a lot of different products on it. Persons who click on the icons will be able to shop for various products and get 5% to 20% back when they use their card.

Since almost all the major national retailers and many brands are represented here this could be a pretty good deal for students. Especially for students who may not be able to get to big retailers.

All in all the Discover Open Road for Students Card is not a bad deal for students who can afford.

• 5% to 20% Cashback Bonus through ShopDiscover, our exclusive online shopping mall
• Up to 1% unlimited Cashback Bonus on all other purchases automatically
• No annual fee

Click HERE to learn more about the Discover® Student Open Road Card

Cash Back Rebate
There’s a long list of things that you can get cash back on using the Discover More Card. These include hotels rooms, airline tickets, department stores, cruise ship tickets, gas for your car, clothing, DVD rentals, theme park tickets, books, groceries, meals at restaurants and even tickets to the zoo. All of these items can theoretically get you 5% cash back if you use Discover More.

If that wasn’t enough of an incentive to switch to the Discover More Card a person can also get between 5% and 20% cash back by using Discover More to make purchases from select online retailers. These include Old Navy Clothes and Dell Computers among others.

To get these rebates you will have to go to the Shop Discover Card website. This is a pretty good deal for a person who does a lot of online shopping. It might not be so good for somebody wants to shop elsewhere.

The good thing about the shop Discover Card website is that it dose have links to dozens of retailers ranging from Omaha Steaks to Target. It looks like it would be fun but a little confusing.

Rebate Formula
A big drawback to the Discover More Card is the complicated rebate formula. Just trying to figure it out can drive a card holder crazy. The tiered reward formula gives a person .25% back for the first $1,500 in purchases made with the card, .50% back for the second $1,500 in purchases made with the card and 1% back if you make more than $3,000 worth of purchases.

To make things more complicated there’s a 5% back rotating rebate on various purchases. This rebate rotates every quarter (every three months) of the year. In the first quarter could earn a 5% rebate on department store purchases while you could earn 5% rebates on travel in the second quarter.

This formula could confuse and frustrate a lot of consumers. A cardholder could think he or she is getting a rebate when they won’t get a rebate under this.

Balance Transfer Deals
The Discover More Card has some pretty great balance transfer deals available as well. Discover is currently offering 0% APR for 15 months for those who move a balance transfer to a Discover More Card. When combined with the rebates this could be a pretty good deal for card holders.
Another benefit to Discover More is that it has no annual fee. This is certainly a better deal for middle class card holders than the American Express Platinum Card.

An equally appealing feature is the 25 day grace period for purchases. This means you have 25 days to pay purchases off before interest starts accruing. This can enable a person to put purchases on the card and work towards getting a rebate.

For those who are willing to work out the rebates, Discover More is a pretty good deal. Those who want a basic no frills credit card with no gimmicks might be well advised to look elsewhere.

• 5% to 20% Cashback Bonus at over 150 top retailers through our online shopping mall
• Unlimited cash rewards that never expire
• Turn your Cashback Bonus into bigger rewards every time you redeem for gift cards or instant eCertificates from over 100 brand-name Partners
• Flexible redemption options with no redemption fee. Choose from Partner gift cards, merchandise, Discover gift cards, credit to your Discover card account or an electronic deposit to your bank account

Click HERE for full details on Discover® More® Card

American Express® Platinum Card

The American Express Platinum Card is still the gold standard in American credit cards. Not only is this card a symbol of wealth and the good life it comes with some really great benefits and features.

A big reason why American Express is still so popular is the customer service that it offers with its cards. A really nice feature on the current generation of the Platinum card is the ability to manage the card online. A person can now manage the card from a mobile phone or PDA.

The management options include an automatic bill pay feature, payment tracking and viewing of the bill anytime anywhere. It all seems pretty standard but it still sounds good.

Benefits
As to be expected the benefits from the American Express Platinum Card are second to none. The Platinum Travel Service helps people book hotel rooms and vacation packages.

The Airport Club Access program gives Platinum Card holders access to private lounges in airports around the world. These are the modern equivalent of the old airport lounges run by airlines at airports. The Airport Club is a private lounge where passengers can wait for their flights and enjoy drinks and food.

A Platinum Card holder can also earn points to save money on stays at select luxury hotels and resorts around the world. Platinum Card holders can also save money on business and first class tickets on certain airlines and up to $400 on select cruise ship vacations.

By far the best and most unique benefit with the Platinum Card is the Platinum Concierge. This is an online or phone customer service program that helps cardholders with any questions or problems. A wide variety of other perks including restaurant reservations are also available.

The truth is that the American Express Platinum Cards benefit package simply can’t be beat. This would be a great card for people who travel a lot because of all the perks associated with it. A really unique benefit with this card is $500,000 worth of traveler’s insurance for all holders.

High Cost
Not surprisingly the biggest drawback to the American Express Platinum Card is the high cost associated with it. The annual membership fee alone will cost you $450. This means it costs $450 a year just to have the American Express Platinum Card in your pocket.

The late payment fee associated with the American Express Platinum Card is also pretty steep. The penalty fee for a late payment is $35 per late payment or 2.99% of the past due amount whichever is higher. That means it definitely pays to pay your American Express bill on time.

The returned payment fee is also pretty steep at $38 per returned payment. This means that it will cost you to own this card.

The interest rate on the American Express Platinum Card is also very steep its 30% if you don’t pay the interest in full every month. This means that this card definitely one for persons who will pay the charges off every month.

The American Express Platinum Card is a fantastic credit card but only for those who can afford it. If you can’t afford to pay the charges off every month don’t get the American Express Platinum Card.

You can search, compare and apply for  more American Express credit card offers at ApplyForCreditInstantly.com

Orchard Bank® Classic MasterCards

The Orchard Bank® Classic MasterCard is a really good basic credit card for the average person. In particular it’s a good credit card for those with bad credit or poor, low income persons and individuals going through financial difficulty.

A big plus to this credit card is that it reports to the big three credit bureaus. That means if you pay your credit card bills on time every month and don’t go over your limit your credit score could go up.

The biggest advantage to the Orchard Bank® Classic MasterCards is that it has very good interest rates and very reasonable fees. Unlike a lot of the Credit cards aimed at lower income people this card actually comes with a decent APR and fees the average person can pay. Unlike a lot of the credit card deals for persons with poor credit, Orchard Bank® Classic MasterCard won’t hit you with processing and other fees.

Interest Rates
The Orchard Bank® Classic MasterCard comes with a really good APR interest rate. The variable APR on purchases ranges from 14.9% to 28.9% which means that it can be either good or bad. This rate is based on a wide variety of factors including income and credit history. Those with a higher income or a better credit history will probably pay a better interest rate.

The balance transfer rate is basically the same as the APR ranging from 14.9% to 28.9%. This means that the balance transfer rate will be the same as your purchase rate. The cash advance rate will usually be 20.9% which is actually pretty good. The balance transfer and cash advance fee will be $5 or 5% whichever is higher.

There is also a penalty APR interest rate of 29.49% and a standard foreign transaction rate of 3% for purchases made in foreign currencies.

Fees
Like the interest rates the annual fees will vary for card purchasers. The standard annual fee for a card will be between $35 to $74 in the first year and $39 to $79 in later years. As with the interest rates the fees will be based upon a person’s credit record, income and other factors.

Orchard Bank® does charge processing fees for some applicants. The processing fee is based on creditworthiness and can be up to $39. Most applicants shouldn’t have to pay a processing fee.

Orchard Bank® Classic MasterCard Advantages
The Orchard Bank® Classic MasterCard would be a good basic credit card for the average person especially a person who has a spotty credit history. People who have had a hard time getting credit cards because of job loss or other problems could be well served by getting this card.
It’d be a great credit card to use as an emergency backup credit card and to rebuild your credit history because it does report to the major credit bureaus. It would also be a good credit card for a person who is just starting out or getting their first credit card.

Those looking for a lot of perks or fancy rewards programs should probably look elsewhere.

Provided by FreeCreditAdvice.info

Click on the Orchard Bank® Classic MasterCard below to learn about all the features and benefits this credit card has to offer.

Classic MasterCard Details

To find more of the latest credit card offers available online, click HERE to search and compare 100’s of great deals available right online.  Whether you are looking for a particular credit card, personal, home or auto loan…ApplyForCreditInstantly.com will have a solution for you.

Orchard Bank Visa Card

This is a credit card for those who are looking for a basic credit card to make everyday purchases with. It’s also a really good card for ordinary people because it is so basic and easy to use.

The best thing about the Orchard Bank® Visa® Card is that it is accepted almost everywhere. Another good thing about this card is that it is basically just a credit card there will be no rebate programs to figure out. Instead it provides basic credit card services for the average consumer.

Orchard Bank® Visa® Cards are available in Platinum, Gold, standard and Secured varieties. The Gold and Platinum Cards appear to be a slightly better deal for the average person because they can sometimes come with a lower APR.

Poor Balance Transfer Deal
One drawback to this card is that it doesn’t really save you anything to transfer a balance to this card. The balance transfer rate is 7.5% to 28.9% which is the same as the rate for the regular APR.

The Orchard Bank® Visa® Card also charges a balance transfer fee of 5% or $5 whichever is cheaper on top of the interest. A person who transfers a balance to this card probably won’t save any money. That means you should look elsewhere if you want to transfer a balance.

Annual Fee
There is no set annual fee for the Orchard Bank® Visa® Card which can be either good or bad. Instead Orchard Charges a variable rate of between $35 and $79 a year depending on the card you get. The annual fee will be waived with the secured cards.

APR
Interestingly enough the introductory APR for Orchard Bank® Visa® Card isn’t listed on the card’s website. Instead the purchase APR is listed for the various cards.

The APR for the standard card is pretty high at 28.9% but the Gold and Platinum Cards can be a good deal. They feature an APR of 14.90-28.90%. The reason for this variance is not made clear, but the lower APR is a pretty good deal.

The secured Orchard Bank® Visa® Card comes with an APR of 7.9% but a person will have to put up a $200 minimum security deposit to get it. Secured cards are credit cards that require a person to get a security deposit in order to get a card.

Cash Advances
One reason why some people like Orchard Bank® Visa® Cards is that they are pretty generous with the cash advances. Interestingly enough the cash advance APR is often lower than the purchase APR. The standard cash APR right now is 20.9% which is a pretty good deal for a cash advance. Orchard Bank® will charge a $5 fee every time somebody gets a cash advance.

There will also be a 3% foreign transaction fee charged if you use your Orchard Bank® Visa® Card outside the US. Orchard Bank® also charges a pretty hefty penalty fee for late payments namely 29.49%

The Orchard Bank® Visa® Card would be a good emergency or back up card for the average person. It wouldn’t be a good card for somebody to use everyday.

Article provided by Free Credit Advice.

Click on the Orchard Bank® Visa® Card below to see complete details on what this credit has to offer you.

Orchard Bank® Visa® Card

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Credit Repair Software

Credit Repair Software is Best Solution to Fix Your Credit

There are four ways to fix your credit, and here they are, from worst to best:

Worst: Credit Repair Services

It’s tempting to simply pay a company to “do the work for you,” but all credit repair services (that includes law firms) have two dirty little secrets they don’t want you to know.

First, because they charge monthly for their service, they make more money–up to $2,000– if they deliberately drag out the process, which is why they often take two or three years.

Second, you actually wind up doing MORE work than if you did it yourself. In addition to dozens of forms, the credit repair service requires YOU to personally choose which items to dispute, how to dispute them, and you have to constantly send them information that the credit bureaus send you.

Better: Follow Instructions From The Credit Bureaus.

This is like the wolf instructing the sheep. The credit bureaus are NOT your friends. This approach costs nothing, but you get what you pay for. Don’t do it.

Better Still: Do-It-Yourself Programs (Typically A Printed Book,

An E-Book, Or An Audio Program).

There are hundreds of these programs available, but they’re out of date. If you are very organized and have lots of free time available, the process these books describe will work fairly well. . . eventually.

Best: Credit Repair Software

There are several companies that offer credit repair software (not just an e-book). Although some are rip-offs (clue: unprofessional-looking websites), many credit repair software products combine the best of all worlds: simplicity, low price, and fast results.

Better quality credit software ranges from $97 to $1,000 or more, but there’s no reason to spend the higher amounts. Look for satisfaction guarantees and a professional-looking website.

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Discover Student Credit Cards

Discover Student credit card provides students easy access to credit. The applicant/student is not required to have excellent or even average credit to qualify. Discover will carefully review applications from all applicants including those students who have yet to establish their credit score. Even with bad credit, an application still maintains a reasonable chance of receiving a positive response. Credit lines, purchase APR, and a few card features are dependent on credit worthiness.

Consumers are encouraged to choose from over 150 special card designs. Successful applicants receive a copy of this card with a card agreement included. Card members should always go through the card agreement before using this card on a first purchase.

An introductory APR period applies towards purchases, and balance transfers. The intro period lasts throughout a mid term period. On expiry, purchase interest remains fixed and reasonably low. Card members do not incur an annual fee.

Complete fraud protection guarantees zero liability in event of unauthorized transactions. Online shopping is made more secure with special credit card account numbers generated on request.

Reminder emails are sent to help ensure card members avoid late payments. Access to the card account online puts the card member in control with budgeting and expenses tracking made easier.

Card members can participate in a cash back program. Purchases in an applicable category earn up to 5% cash back. Travel, gas, groceries and restaurants are amongst the categories rotated from optimum rewards. For items not included in the bonus offer, 1% cash back is awarded. Unlike some other student cards, this applies to virtually every purchase. Cash earned is good for rebate checks redeemable in $20 increments made payable to the card member, travel credit redeemable on a preferred destination with an airline of choice, and gift cards for free merchandise at reputable stores. Rebates earned do not expire and there’s no yearly limit applicable.

Purchasing from Shop Discover guarantees between 5% and 20% cash back bonus on select items.

Discover Student credit card is one of those few student cards designed to make life easier while teaching card members to incur less debt through timely payment.

Our top choices for Discover Student credit cards are shown below.  To find out more on the Discover Student credit card, click on a one of the cards below.

You can search, compare and apply for the best student credit card offers available at ApplyForCreditInstantly.com

The Orchard Bank® MasterCard® is an excellent credit card choice for people looking to build their credit. As a cardmember, you’ll also enjoy acceptance at millions of locations worldwide, including website purchases and reservations; account information updated and at your fingertips 24/7; email and text messages to remind you of your upcoming payment due date with online enrollment. Get prequalified online in just 30 seconds!

*It is our goal to offer you the credit card that best fits your credit profile, which may or may not be the card you originally inquired about. You may be offered a secured card or an unsecured card, and with different terms and conditions which will be disclosed before your application is processed.

• An excellent credit card for rebuilding credit scores; reports to 3 major credit bureaus monthly!
• Acceptance at millions of locations worldwide, including website purchases and reservations
• Your account information is updated and at your fingertips 24/7 so you can manage it your way
• Email and text messages to remind you of your upcoming payment due date with online enrollment
• On-call customer service representatives to assist you with questions or concerns

Apply Now

Payoff Your Credit Card Bill

Surveys shows 50 percent of credit cardholders don’t pay their bills in full or on time. More than 40 percent of credit cardholders say they don’t know the interest rate on their cards. Suppose you carry a $1000 balance from month to month. That costs you $180 in interest a year if you have a credit card with no annual fee and an 18 percent interest rate. But many credit cards do have annual fees, especially the gold cards with the enticing travel rewards. You’ll be astounded at what you pay once you factor in the fees.

You’re fooling yourself when you slice and dice your debt onto several credit cards. Better to have everything in one credit card, so you know exactly what you owe. You’ll have an easier time monitoring your indebtedness and not letting it get out of control.

Here are some signs of credit card trouble:

1. You’re making only the minimum payments on your accounts.

2. You’re missing payments or due dates.

3. You’re near the credit limit on most of your cards.

3. You’re borrowing from one card to pay another.

4. You don’t know how much you owe.

5.You worry a lot about money.

6. You use credit cards to meet your weekly or monthly living expenses.

7. You transfer balances from one low-rate card to another every few months, just before the introductory offer expires.

It’s time to address your financial problems if you recognize some of these patterns in your own life. Here’s a six-step program to help you get out of the trouble.

1. Be honest with yourself. Do a complete analysis of all your debts, the interest rates and terms.

2. Decide how much money you can use to pay off debt each month.

3. If there is a shortfall, consider getting a consolidation loan or line of credit at a lower rate.

4. Consider selling investments to pay off high-rate debt. If you own a house, bump up your mortgage at renewal time.

5. Pay the minimum amount on each card. Use what’s left to pay off the card with the highest rate.

6. Don’t use the cards any more. Cut them up or put them into a box.

Buying everything with cash, checks or no-overdraft debit cards forces you to confront the fact you can’t afford something. With a credit card, you can always afford it.

Provided by FreeCreditAdvice.info

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Airline Rewards Credit Cards

Travel has become an expensive proposition, especially if you are not earning future flying miles while airborne. Airline credit cards generally offer points per flight taken, bringing rewards as a byproduct of each trip. These points will earn the cardholder free stays at hotels, future flights, car rentals, as well as other desirable rewards. A few of the cards charge around twenty-five thousand points per flight so a comparison in airline miles should be considered when choosing a credit card.

Most times, you will receive flyer miles per trip taken, and some of these airline credit cards will offer a generous point total per flight.

Some people use cash to travel, however others prefer to use airline mile credit cards. The airline credit cards often have airline miles attached, which provides ongoing benefits. While the cards benefits vary, some provide categories that are major points to consider when selecting an airline credit cards, (i.e. while earning flights the person could choose from more than 200 airlines to fly from, by selecting the choice of airline). If you prefer to use a major airline, (i.e. an airline which you frequently fly) the cards often include features, such as earn x amount of points for each flight taken.

Airline credit cards are often referred to as mileage credit cards. The card enables you to earn points per dollar charged on the card then you can use the points toward a flight. Some cards offer more points than others do.

Checking out the marketplace for the bargains is ideal while considering airline miles credit cards. Once you select a card and accepted, as a cardholder you will discover that you earn points on the card. Be sure to take full advantage of discounts and free offers, since the points will expire on some credit cards.

Some of the disadvantages of airline credit cards are that the cards often have higher interest rates and annual fees attached. Most of the airline cards are for those that can handle paying off the monthly debts incurred on the cards, or for travelers that frequently take trips and utilize the credit cards as a means to manage and document purchases. Still, the rates are comparable in an online search. If you are considering an airline mile credit card, take time to research and compare the values, APR (Annual Percentage Rate), points available, and other services.

While traveling, the idea of the credit cards is to save money, so why not take the time to find the best rates and save even more cash while using your airline credit cards to earn points.

Some of the no-annual-rate cards include the Miles Card from Discover. This card offer no APR fees, and you will receive 5,000 miles once the initial purchase is charged to the card. Balance transfers are free for the first twelve months, and you will find an added benefit in earning a mile per dollar charged to your card.

The Value Miles Platinum Visa cards offer miles per dollar spent with no blackout dates. Fly on the major airlines and earn points while receiving assistance on travel. If you are in an emergency, this card offers emergency funding, and the rates per interest are attractively low.

Noting the two cards named in this article will help you to see the comparison. The Discover Card offers 5,000 points on the first debt incurred on the card, while the Visa Card does not. Now, how can we decide which card is more of an advantage? We can do this by contrasting and comparing airline credit cards. Check for the best rates online, since here you can compare at your own pace, finding multiple offerings and significant savings in fees and interest.

Provided by FreeCreditAdvice.info

If you’re looking for an one of the BEST Airline Rewards Credit Cards, look no further!  The Delta Reserve Card is top in its class.

Delta Reserve from American Express. Earn up to 10,000 Medallion® Qualification Miles (MQMs) after your first purchase. Get an annual companion certificate good for either First-Class or Coach-Class domestic travel. Apply today!

• Annual First-Class companion certificate, which can be used for a First-Class or Coach-Class ticket!
• Earn up to 10,000 Medallion® Qualification Miles (MQMs) after your first purchase
• Built-in Miles Boost^SM— earn up to 30,000 MQMs and 30,000 bonus miles
• Complimentary Crown Room Club® access for you and two guests
• Access to American Express® Concierge Services
• Pay with Miles— pay for all or part of any Delta flight with your miles

Delta Reserve Credit Card