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From great rewards to special promotions and easy approvals, each credit card has its own thing. And with hundreds of credit cards to choose from, it can be hard to make the right decision. So, before you choose just any credit card, do your research. Although the flashy advertisements may make a certain card more appealing than others, that card may not have the best deal for you. By making sure that you understand the following, you can get the best credit card for you.

First, it is important to pick a card that is right for you. Do you travel a lot? Do you spend a lot of money on gas and groceries? Do you have bad credit? Do you have a lot of debt? There are tons of credit cards out there- ones for bad credit, balance transfers, 0% APR, miles, cash back, etc… Choose a card specific to your wants and needs. Then, ask yourself some questions:

  • Does the card have an annual fee? Some credit cards have high annual fees that you have to pay just for having the card in your wallet. Will the benefits outweigh the costs? There are some great credit cards with no annual fees too.
  • What other fees does the card have? Some cards charge foreign transaction fees, balance transfer fees, ATM fees, etc… Choose a card that will work best for you. If you are going overseas, get a credit card with no foreign transaction fees.
  • What is the APR? It’s incredibly important to find out what the interest rates are before applying for a card. You don’t want to end up with high interest charges and a lot of debt. So, if you tend to carry a balance, you should stick with low interest credit cards.
  • Is the APR fixed or variable? With a fixed interest rate, your interest rate will stay the same. However, with a variable interest rate, your interest rate will fluctuate along with an index. Most credit cards are variable, but make sure before you apply for the card.
  • Are there any introductory offers? Many cards offer special introductory promotions to get consumers to apply. They may offer extra rewards during this period, no or low interest rates, or free balance transfers for a period of time. Find out the specifics of these intro periods, know when they end, and know what happens after they end.
  • What are the terms of the rewards program? The rewards part sounds great, but examine the terms before you fall for any offer. Are there blackout dates or redemption fees? Do you stop earning points after you reach a certain number? Do you have to register for the program? Knowing all this information will help you make an informed decision about which rewards credit cards to get.

By asking yourself these questions, you will be able to make an educated decision regarding the credit card you want to get. You can then get the best credit card deal available to you!

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From the mail to email, it can seem like every bank or financial institution on the planet and on the Internet is offering credit card deals. Even well-known banks tweak offers into new lines of credit.

With that in mind, Credit One Bank offers a new Platinum Visa card, and while overextending credit is a concern for everyone, careful examination of the features, advantages and potential disadvantages of this credit card can help you determine if this is one for which you may want to apply.

Use the FREE credit card chaser tool above now for a comparison of a variety of options.

Bank Reputation

Credit One Bank is best known for issuing lots of credit card lines. They seem to specialize in the “starter credit kits” for people who are attempting to rebuild credit scores or need to establish revolving credit histories. Most cardholders understand that low-credit-limit cards are for building credit, not for paying living expenses or for expensive shopping sprees.

As such, the Platinum Visa card from this bank has fairly easy acceptance standards and an easy online application process.

Maximum credit limits on the Platinum Visa increase as you build a solid credit responsibility history. If you use the card a few times each month and pay the balance in full and on time when invoiced, you might see a $400 credit increase in six months.

The key is to spend responsibly and to pay on time and with little or no balance carried forward from month to month.

By using that strategy, one cardholder’s credit score increased from 602 to 649 in the same time period.

Figures and Details

The Platinum Visa card does have an annual fee. The Annual fee ranges from $35 to $75. The fee is added to your invoice automatically when it’s due, so don’t be terribly surprised. Simply note the anniversary date, and plan for the expense.

You get to pick your due date with this card, which can be an advantage is scheduled properly. You might, for instance, arrange an automatic payment by your bank; just ensure it arrives at least 10 days before your due date if sending a check. There is no grace period, and you could get charged a maximum of a $35.00 late fee.

For the good news, your annual percentage rate is up to 23.9 percent for purchases, and there are no monthly fees or other one-time fees.

Apply for this card easily NOW!

Annual fees for cash advances could cost between 17.9 – 23.9 percent during your first year. Thereafter, you are charged either a maximum of $5.00 or 8 percent.

In an apparent trade-off, you don’t get special rewards with this card, such as frequent flier miles, but you also have no over-maximum penalty fees and no over-maximum penalty annual percentage rate.

Possible Card Uses

credit one bank Platinum Visa cardMany cardholders use this Platinum card to build or rebuild credit. However, others use it for smaller business expenses like office supplies and during college terms.

The low starting limit avoids massive splurges and can tremendously aid in tracking expenses.

Card-to-Card Comparisons

In choosing a credit card, comparing features and terms with those of other cards is always a good idea. Here are a few Visa card plans and the applicable data from the Platinum Visa from Credit One Bank.

Chase Sapphire(r) Card

Like so many other credit card companies, Chase requires an excellent credit score for your application for a Sapphire Visa card to be considered. The Sapphire card has no annual fee vs. $75 or $99 with Credit One’s card. The regular annual percentage rate is 15.24 percent variable vs. 23.9 percent with Credit One.

Reward points are awarded according to spending habit and mandatory spending minimums during your first three months as a cardholder.

If you do spend $500 during that period, you are awarded 10,000 bonus points and earn from one to two points per dollar spent thereafter vs. no rewards with Credit One’s Platinum Visa. The Chase Sapphire Card offers no non-interest periods for new accounts.

Capital One VentureOne Rewards Card

 This card has 0 percent annual interest on purchases until August 2014 vs. 23.9 percent with Credit One’s Platinum Visa; thereafter, Capital One charges anywhere from 11.9 percent to 19.9 percent variable interest.

Rewards are offered with Capital One’s card, depending on spent amount.

American Express Gold Card

Balances must be paid in full every month, so you have no annual percentage rate of interest. You pay no annual fee for the first year but $125 per year thereafter. Cash back rewards from 1 to 10 percent of your total spending are paid annually.

Amalgamated Bank of Chicago Union Credit Card

Platinum Visa card from credit one bankYou need an excellent credit rating to have an application seriously considered for this card. It does not offer a 0-interest period for new cardholders; interest accrues on carried balances. Balance transfers do not gain a no-interest period and accrue a variable interest rate of 14.25 percent.

Members enjoy an annual percentage rate of only 9.25 percent, variable rate with no annual fee or reward plan, on purchases made Members do get free travel insurance when the card is used for travel fares A maximum late fee of $35 can be charged.

If you enroll in the optional AmalgaMiles program, you will be charged a $15 annual fee and can enjoy a $1 per mile reward program that has no black-out dates or many of the restrictions of other travel programs.

Ace Rewards Visa Credit Card

This Visa card requires an excellent credit rating for application consideration. The regular interest rate lies between 13.99 percent and 22.99 percent annually, but no other interest deferral for new members is offered.

There is no annual fee with this card, and you can earn from 1 to 10 percent on qualified purchases in the cash back rewards plan, paid quarterly. You get 5 percent back on Ace product purchases, 2 percent on gas and 1 percent rewards on other purchases.

Arvest Bank Visa Premium Credit Card

There is no extended introductory interest offers on balance transfer and purchases, so interest accrues on open balances after the billing periods, but the regular annual percentage rate charged is currently a variable 10.9 percent on open balances.

There is no annual fee associated with this card, but there is no rewards program offered either.

Chase Freedom Visa

Unlike many other cards, this credit card does offer new accounts a 0-interest plan for balance transfers and purchases for 15 months. However, the balance transfers incur a 3 percent fee in lieu of interest accrual.

The variable annual percentage rate this plan charges is between 13.99 and 22.99 percent, depending on credit history. New cardholders receive a $100 cash back bonus then earn between 1 and 5 percent cash back annually.

BankAmericard Travel Rewards Credit Card

platinum visa card from credit one bankThis credit plan has a merging of scattered benefits. New cardholders are offered 0 percent interest on purchases for the first 12 months. However, there is no interest declination on balance transfers.

The regular variable interest rate runs from 14.99 percent to 22.99 percent, depending on the prime interest rate during the billing period.

The rewards program associated with this card runs a little differently than most; cardholders aren’t enrolled in a standard cash back program where money is paid back, based on qualified purchases.

Instead, they earn bonus points that can accrue at a rate of three points per dollar “earned.”

While there is no dollar limit noted with this pay-back system, the only accrual rate is the three-to-one ratio.

China Airlines Credit Card

The credit standard for this credit card is high; it is not one for weak, bad or non-existent credit histories. It offers no introductory, zero-interest, and its regular annual percentage rate charged is a variable 15.99 percent to 24.99 percent. Cash advances incur a minimum $5 fee with 25.24 variable interest.

Balance transfers incur a 4-percent fee and is subject to the same annual rate as purchases. While this MasterCard is a standard credit card for purchases, transfers and cash advances, the rewards program is tailored only for qualified travel.

Each cardholder is gifted a starting bonus of 2,500 miles then accrues bonus miles that can reduce or eliminate air fares from one mile per $0.50 to $1 spent on China Airlines fares and one mile for $2 spent on other airlines. On the positive side, the travel mile bonus has no upper miles or dollar limits.

Is this the card for you?

As you can see by the sample comparison list, above, there is no drought in possible credit cards available across the credit market. However, even a brief glimpse will reveal that not all cards are created equally.

From application and credit history requirements to interest rates and conditions to reward programs and more, the need for the Platinum Visa credit card from Credit One Bank is sorely apparent for many people as they continue to dig themselves out from under the burden left from the global financial crash of 2008.

Whether you want a student credit card, a casual business-use card or are eyeing improving your credit score, this just may be the perfect credit vehicle for you.

Use our FREE chaser tool above to find and compare various credit card options now!

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Kansas City Royals Credit CardThe Kansas City Royals credit card is offered as part of the Major League Baseball® Extra Bases® Credit Cards program from Bank of America. The offer is made to any and all MLB fans to get a Bank of America MasterCard with the logo of their favorite team, and a rewards program designed to encourage purchasing MLB and team merchandise. Compare other credit card offers today!

Like all the credit card offers in the program, the Kansas City Royals credit card features a white Royals home jersey and blue ball cap against a black background. The card also prominently displays the MLB, MasterCard, and Bank of America logos.

To apply, one need only visit the Bank of America credit card site and search for Major League Baseball. The online application process is quick, easy, and secure. If you are already a Bank of America customer with online access, you can use their express application for an even faster experience.

Kansas City Royals Credit Card – Rewards Program

The primary feature of this card is the point-based rewards credit card program designed to encourage card holders to purchase baseball memorabilia and support their favorite team. Every dollar in net retail purchases earns one point, with no limit on the number of points one can earn. Beginning at a level of 2,500 points, card holders can redeem them for team merchandise, MLB memorabilia, and even the opportunity to attend special player appearances and other events.

Kansas City Royals Credit Card – Other Benefits

As a MasterCard, the Kansas City Royals credit card is part of the World MasterCard program with provides such extra features as zero liberality fraud protection, 90-day purchase replacement for goods that are lost or stolen, travel accident insurance, automatic car rental insurance, 24-hour customer service and online account access, and MasterCard’s MyConcierge service.

Kansas City Royals Credit Card – Financial Details

This no annual fee MasterCard begins with a 0% introductory rate on balance transfers and retail purchases for the first 7 to 10 billing cycles, depending on credit worthiness. Upon expiration, the standard APR ranges from 12.99% to 20.99%. The cash advance rate is about average for the industry at 24.24%. Unlike most cards, the Kansas City Royals credit card has no penalty APR.

Compare online credit card offers now!

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Yalnız bir hayat artık yalnızlığını ortadan kaldırarak güzel bayanlar karşılamak ve eğlenceli kez geçirebilirsiniz hayatlarından çocuklar son derece yorgun . Gördüğünüzde bodrum heyecan çok olsun eskort ve en güzel modelleri kaldırmak için fiziksel boyut taş şaşıracaksınız . Günümüzde , internet teknolojisinin gelişmesiyle birlikte , kullanımı nedeniyle yoğun bu şekilde her insanın çeşitli ihtiyaçlarını giderir. Bodrum ile tanışma kadınlar daha çabuk geçmek iyi zaman tanımak için şimdi hareket etmelidir . Eğer gerçek bir tanışma sitesi tanışma bodrum ile kızın profiline baktığımızda telefon numarasını arayarak hemen bizimle irtibata bodrum escort geçebilirsiniz ve sohbet etmek mümkün olacak . İlk bodrum eskort konuşmak zaman son derece keyifli arkasında sıcak ve samimi bir sohbet içine adım atabilirsiniz . Sitemizdeki tüm kızlar kalma Bodrum oldukça güzel , kültürlü ve son derece titiz , bakımlı . Karşı cinsle tanışma tanışma kadınların bodrum katında mülklerinin başında çok gerekli hijyen kurallarına arasında escort bodrum ilk sırada yer almaktadır . Kızını isterseniz bizim bodrum tanışma sitesi birçok yerli ve yabancı iş toplantısında seçebilirsiniz ve onları bile yanınızda size eşlik etmek yapabilirsiniz . Bodrum eskort ile son derece keyifli bir yol konuşmadan sonra romantik bir akşam yemeğinin tadını çıkarın ve harika bir gece vardı . Ayrıca modern dünyanın yalnızlık güzeldir ortadan kaldırmak için verilen ve fırsat daha kaliteli bulamazsınız . Şimdi zaman kaybetmeyin ve hemen bizim eskort sitenin bodrum katında tanışma fırsatı kaçırmayın .

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