Offshore credit cards

Offshore Credit Cards By: Geoff Thomas Until a recently, the typical offshore investor did not have access to the payment convenience and flexibility associated with a credit card–at least not from the standpoint of accessing and spending the money he or she had safely placed offshore. Consider the predicament of yesterday's offshore investors seeking to access smaller amounts of money residing in their offshore bank accounts–say, under $10,000. If those individuals wanted to use offshore funds to make a purchase while living in North America or traveling abroad, they would have to personally withdraw funds from their offshore bank or have money wired to bank accounts where they lived. Offshore credit cards have greatly facilitated the use of money held in offshore accounts. Offshore institution-branded Visa and MasterCard credit cards have ushered in a whole new realm of payment flexibility and convenience for today's offshore investor, but they are products that still require careful consideration and research. How do they work and what do they cost? How secure and private are they? What are the possible pitfalls and ramifications associated with using these cards? How they work Offshore credit cards share the same characteristics as ones in your own Country. They all carry a Visa or MasterCard label, are accepted at more than 14 million locations worldwide and provide cash advances at several hundred thousand automatic teller machines and banking institutions around the world. Despite their similarities, a significant difference exists between domestic and offshore credit cards. The vast majority of reputable offshore credit cards are "secured" cards. They require offshore investors to provide a security deposit with their application for the card and therefore do not require offshore investors to go through credit checks. To increase a credit line, investors simply need to increase the amount of their security deposit by the appropriate factor, either by sending a draft or by wiring funds to the card company. The requirement for a security deposit contrasts with a domestic credit card and effectively renders these products not credit cards per se. They are rather hybrid cards that access a line of credit that is fully secured with one's own money. Most of the card companies do not refer to their products as "credit cards" but either as "offshore cards" that provide the "benefits and acceptance of a Visa or MasterCard" or "offshore cards" that provide investors with access to "offshore collateral investment accounts."

Visa credit cards

Visa. Clearly one of the most known credit card companies, the Visa symbol is known worldwide. There are many different types of Visa credit cards offered, and this article will review some of them to give you a better feel for the company. Visa credit cards are not actually distributed by the Visa Company, merely banks that back up the Visa standard, so rates may be different. The Visa classic is one of the most commonly seen credit cards. It is an ideal first card that is simple, flexible, and usable worldwide. Many different banks issue this type of card. The Visa secured is a great way to begin to build credit, or help re-establish bad credit. By placing down a deposit, you can effectively guarantee that you will be approved for this card.

For those with established history, the Visa Gold can be the next step up. It generally features lower APR rates and higher credit limits. For those in the higher echelon of the credit world, the Visa Platinum is a standard for credit excellence. Featuring phenomenally low rates and high credit lines, this card is the who’s who of Visa credit cards. Remember, make sure you can afford monthly payments before you mount up any debt, that will you will continue to improve your credit rating, and can gradually get better offers on cards and any kind of credit. You will also be more likely to be accept for much lower interest rates, such as 6 month 0 percent annual interest rates. After finding out about the various types listed here, you can generally figure out which card is right for you. Simply find a bank that offers the card, and you’re well on your way to becoming a Visa cardholder!

Learning more about visa credit card

Today when everything is just a click away, owning a credit card or two is nothing knew. Plastic cards have replaced paper money. Why it’s very convenient! You don’t have to worry about running out of cash every time you go shopping. Spending time counting pennies or loose change is no longer a problem. Credit cards have made life easier for every consumer.

Visa is the most common credit card in the market with more than one billion users. It is also the first credit card known to everybody since its debut in 1976. What can you do with your Visa Credit Card? 1. Pay your taxes. Standing in queue to pay for your taxes is long over. You can now pay your taxes using the Visa Credit Card. 2. Pay your bills. Now you don’t have to make stops to the billing centers to pay your bills. Paying them is a phone call away with your Visa Credit Card. 3. Donate to charity. Feeling generous? Give your share to those in need using Visa and feel great with the help you gave. 4. Travel with Visa. Pay your air fares and other needs while you’re away for vacation. Travel has never been this fun using Visa with its Visa Traveler’s Check, Visa Travel Money and even the Visa currency converter. Now that you know what you can do with a Visa Credit Card, it’s time to get one. But first, let’s see which visa credit card that would best suit your needs. 1. Visa Classic. This credit card type is the most convenient for the first timers. It’s the roadway to building a good credit history. 2. Visa Gold. This is the card created to suit your need. This is for holders that have a good strong credit history. 3. Visa Student. This card is offered to students. It includes special discounts for books and computers when you use your card to purchase. Now that your equipped with the basics about your Visa Credit Card, it’s time to know a little more about what Visa has to offer. There’s no pleasure like gift-giving. Visa offers The Visa Gift Card. This is a prepaid debit card perfect for birthday gifts and for other occasions. Teach your teens how to spend their money wisely with the Visa Buxx. This is a prepaid card for teenagers that could be loaded by their parents. Enjoy your dream vacation with no worries. Let the Visa TravelMoney take care of your purchasing needs while on vacation.

What is a credit card

Credit card What is a Credit Card? Put simply, a credit card is just a small piece of plastic that easily fits in your wallet. Well, it’s not ‘just a piece of plastic’; it’s a very powerful piece of plastic which can be regarded as a compressed form of cash. We can define credit cards as a credit system that allows the consumer to borrow money on the fly from a bank or a financial institution and use it to make payments to the merchants. In order to obtain a credit card, the consumer needs to fill-in an application form that is actually like an agreement between the credit card supplier and the credit card consumer. The credit card supplier approves the application form and provides the consumer with a small piece of plastic (i. e. the credit card). This plastic (or credit card) contains electronically encoded security information in the form of a magnetic strip (which is generally located at the back of the credit card). This information is used for authorising payments whenever the consumer uses the credit card. The consumer can use the credit card for shopping at merchant outlets or on the internet etc. Of course, this is subject to merchant’s capability to accept credit card payments. Accepting the credit cards is, however, not enough. The merchant should be able to accept payments made through the credit card provided by that credit card organization (of which you hold the credit card) i. e. VISA, MasterCard etc. You can also use credit card to withdraw cash from ATMs (automatic cash machines) – also known as cash machines or Day/Night machines. There are eight main credit card organisations and most of them operate in a lot of countries world wide. These are American Express, Citi, Diners Club, Discover, JCB, MasterCard and VISA. Master card and VISA are probably the most popular ones. Then there are credit card suppliers or issuers who have tie-ups with these organisations and issue credit cards on their behalf e. g. you have various banks that issue VISA cards (like HSBC VISA card) To make a payment using a credit card, the credit card has to be either swiped into special credit card processing machine (when shopping in person at shops) or the details of the credit card have to be entered on the merchant’s website (when shopping online). The credit card supplier sends across the bill for these transactions to the consumer who is then required to pay either the full amount or a partial (minimum) amount. If you pay in full, the credit card supplier doesn’t charge any interest on the amount you owe, otherwise the pre-agreed interest rate is charged. If you don’t pay even the minimum, you might land up with a late fee too. Moreover, the credit card supplier generally puts a limit on the maximum amount you can spend per month using your credit card.

Visa gift card the smart credit card alternative

A visa gift card is similar to a debit card and represents money deposited with the issuer (Visa). This card can be used for purchases up to the limit on the card at all outlets where visa card is accepted. The difference between debit card and visa gift card is that debit card is usually issued in an individual’s name where as visa gift card is issued without any name. Further there is a PIN in debit cards where as for visa gift cards there is no PIN. The amount varies from $25 to $2,500. There are two types of visa gift cards, domestic and international. Domestic can be used only within the US while international visa gift cards can be used internationally. The visa gift card looks just like any debit card.

It has a magnetic strip embedded in it on which the number is encoded. The remaining value in the card can be assessed by radio frequency identification. There are other ways, like entering the printed number on the card into a telephone or other numeric keypad. The simplest way to know the balance on your visa gift card is to call the toll free number on the card and give the card number. The visa gift card can be given as a reward or gift on various occasions.

Some visa cards are automatically activated whereas some have to be activated. The instructions for activation are written on the card. It is important to sign on the back of the card to prevent unauthorized people using your card. The purchase receipt has to be signed on every purchase. The usage of the card is very simple and similar to using a credit card. The card has to be swiped through the keypad and the credit button has to be pressed.

The amount spent on purchases is automatically deducted from the account. However unlike credit card the amount of purchase is limited to the amount in the card and no overdrawing is possible. If the amount of purchase is more than the amount in the card, the card is declined. Therefore it is necessary to know the balance amount in the visa gift card before hand. In case one wants to purchase an article of value more than the amount in the card, the difference amount can be paid by cash, check or credit card. If a card is lost or stolen, dial the toll free number given on the card or the number in the back of the card materials.

To issue a fresh card the card provider will need the visa gift card number. Hence it is better to note the card number and the toll free number in a separate paper and keep it in safe place. When gifting the visa gift card the gift card materials should also be given with the visa gift card. Visa gift cards are available quite easily and at many locations. To purchase a visa gift card online, or to know the locations where it is available, visit http://usa. visa. com.

Visa card things you should consider first before you apply

If you are interested in applying for a Visa credit card, there are a lot of things you should consider first because there are so many types of cards. For instance, consider whether you fly frequently and would like a card that earns you frequent flyer miles, or if you need a card with a very low interest rate because you plan on keeping a balance, or if you are in need of a visa credit card for your business, child, or if you have bad credit. These are all things to consider first, because you don’t want to apply for credit card after credit card. It is better to decide what is best for you, and then begin applying. Also, some very important things to evaluate on each card you are considering is introductory APR, introductory APR period, regular APR, annual fee, balance transfer and the type of credit needed for the card. For instance, many credit cards provide an introductory APR to make the card more appealing and make you want to switch or apply for that particular card. IN some cases, visa credit cards will offer 0% interest for a year or six months, depending on the card. While the introductory APR can be a good thing because interest fees charged are either nothing or considerably lower than other cards, you need to keep in mind how long the introductory APR period lasts and what the APR is regularly.

If the introductory APR period lasts for six months to a year then that is a good period of time in which you can use the credit card to your advantage. However, you should keep in mind the date when the regular APR starts so you do not find yourself with high levels of interest rates and a large balance. The regular APR for a visa credit card can vary significantly depending on the type of card and the individual’s credit. Everyone wants a credit card with a low regular APR, but the truth is there are not that many credit cards with really low APRs.

This is because credit card companies make a lot of money on charging interest from month to month. Also, you should only apply for Visa credit cards with no annual fee. This is because there are many credit cards that offer the card with no fee, so there is no need for you to pay $50 or more per year simply to carry the card. Make sure the visa credit card you are applying for does not charge an annual fee. Check and see if the visa card you are applying for accepts balance transfers from other credit cards. If the new visa card you are applying for has a low introductory APR then when you are approved you will want to transfer your balances from high APR cards in order to pay it off more economically. Finally, check the type of credit needed for the visa card you are interested in. If the card information says you need excellent credit and you have poor credit, do not even waste your time and the affects on your credit report by applying for that card.

Best merchant services

A High-risk merchant account is a merchant account service provided to internet merchants that have been declared "high-risk" by Visa and MasterCard. This is owing to the nature of their businesses, that have a high credit rate or a high turnover but also, an increased risk of fraud and chargebacks. Characteristically, it's very hard for high risk and non-US businesses to obtain a merchant account. High risk merchant accounts offered by different service providers allow International Merchants to privately process their credit card transactions and have the proceeds sent to an offshore bank account. The fees are higher for offshore/high risk credit card processing. Credit card processors are likely to reject you if your business is considered high-risk. The aim is to locate a credit card processor that gets you approved and has you up and accepting credit cards quickly and efficiently, with either a high risk merchant account or an international merchant account.

Examples of high risk merchant accounts include pharmaceuticals, telemarketing, infomercials, travel industries, online dating, replica, gaming etc. Some of these are considered more high risk than others. High risk merchant accounts are available with international banks. A merchant has to do the following to obtain a direct account if their merchant account is considered high risk: 1. Incorporated in the bank’s jurisdictions (this requirement is based on credit card operating regulations) 2. Have 6 months of existing processing history (preferable the last 6 months) 3. Chargebacks in the last 6 months must be less than 1 %. 4. Pay the required set up fees 5. Provide principal’s passport, business incorporation documents - some jurisdictions require a local nominee director’s passport and a utility bill of the nominee director. This is done to avoid cross border issues. 6. The merchant website has to be in compliance to Visa and MasterCard requirements These merchant accounts can also be classified as offshore high risk merchant accounts, international merchant accounts, and high volume merchant accounts. The other option if you do not have processing history and you do not want pay the expensive of incorporation in the bank’s jurisdiction, you can always get a third party merchant account. A third party merchant account’s underwriting is less stringent and is set up much faster than a direct account.

Best merchant services

A High-risk merchant account is a merchant account service provided to internet merchants that have been declared "high-risk" by Visa and MasterCard. This is owing to the nature of their businesses, that have a high credit rate or a high turnover but also, an increased risk of fraud and chargebacks. Characteristically, it's very hard for high risk and non-US businesses to obtain a merchant account. High risk merchant accounts offered by different service providers allow International Merchants to privately process their credit card transactions and have the proceeds sent to an offshore bank account. The fees are higher for offshore/high risk credit card processing. Credit card processors are likely to reject you if your business is considered high-risk. The aim is to locate a credit card processor that gets you approved and has you up and accepting credit cards quickly and efficiently, with either a high risk merchant account or an international merchant account. Examples of high risk merchant accounts include pharmaceuticals, telemarketing, infomercials, travel industries, online dating, replica, gaming etc. Some of these are considered more high risk than others.

High risk merchant accounts are available with international banks. A merchant has to do the following to obtain a direct account if their merchant account is considered high risk: 1. Incorporated in the bank’s jurisdictions (this requirement is based on credit card operating regulations) 2. Have 6 months of existing processing history (preferable the last 6 months) 3. Chargebacks in the last 6 months must be less than 1 %. 4. Pay the required set up fees 5. Provide principal’s passport, business incorporation documents - some jurisdictions require a local nominee director’s passport and a utility bill of the nominee director. This is done to avoid cross border issues. 6. The merchant website has to be in compliance to Visa and MasterCard requirements These merchant accounts can also be classified as offshore high risk merchant accounts, international merchant accounts, and high volume merchant accounts. The other option if you do not have processing history and you do not want pay the expensive of incorporation in the bank’s jurisdiction, you can always get a third party merchant account. A third party merchant account’s underwriting is less stringent and is set up much faster than a direct account.

Hsbc a company as diverse as its offerings

HSBC is an international banking entity with over 10,000 offices in more than 80 countries on five of the seven continents (and if anyone is going to be banking on Antarctica anytime soon, I'd bet it'd be these people). Many of the founding companies of this international group have their origins from over a century ago. Their very appropriate slogan is 'We are the world's local bank.' This is exemplified by their ability to secure a place in history as the first international bank permitted in rural China. HSBC stands for The Hong Kong and Shanghai Banking Corporation, the first member of what is now HSBC Group. It was opened in 1865 to capitalize on the increasing trade between the Chinese and the Europeans. Despite its name and history, three of the four countries it currently has the most branches in aren't in Europe or Asia. The five highest presence countries are, respectively, the United States, the United Kingdom, Mexico, Brazil, and France. HSBC celebrates its diverse history and has developed a History Wall featuring over 3,500 photograph that depict members of the HSBC group, as the HSBC website describes them, acting as 'both a pioneer and a pillar of banking.' The display attracts many visitors at the company's base of operations in London, England. The group engages in commercial banking, investment banking, and private banking, along with several other activities, one of which is, of course, issuing credit cards.

HSBC offers credit cards predominantly, if not completely, under the MasterCard label. Keeping true to their slogan, they have cultivated a large range of credit card offerings for most any income or social status Their offered cards do fit the same mold as other issuing companies' cards for the most part, although they do offer some less-used features as well. For example, the HSBC Mastercard Cash or Fly Rewards card is a common sort of rewards card. Points acquired over time can be exchanged for flight discounts or unlimited cash back. Then there is the Orchard Bank (a part of HSBC group) Secured MasterCard, which even says before you apply that bad credit is okay. It reports to all three credit bureaus each month, which has the capability to improve your credit if you should need such a fix. We can only assume that it can also hurt your credit if you're not making payments. The card also allows holders to set their own credit limit. HSBC engages largely in social and environmental causes, such as funding the group gives educational projects in all of the regions it has branches. HSBC also advocates the reduction of greenhouse gasses, and claims that they are the first major bank to achieve carbon neutrality by purchasing 'green electricity' and reducing their emissions. The group also made the largest single donation ever to the World Wildlife Foundation, Earthwatch, and Botanic Gardens Conservation International to support wildlife preservation and cleaner rivers. Is there any wonder why Fortune Magazine named them one of the most admired companies in the world?

Compare the best reward credit cards

Best reward credit cards are today sought after by many individuals for the benefits that they offer to their customers. Best reward credit cards are also known as reward credit cards in short. Some of the best reward credit cards are offered by companies like Visa, American Express, Citibank, and Discover. All the cards come with their own benefits and conditions of carrying on transactions with the card and so the customer should check out the features of each card before selecting the best reward credit card. One can check out the offers provided by the different credit card companies, compare the costs and the features of each card and then can apply by filling out the online form or by calling the company representative. Let us discuss further the features of credit cards from different companies. Citibank Reward Credit Card - The reward credit card offered by Citibank is known by the name of Citi Diamond. This card carries a 0% APR for any transactions or transfers for the first 12 months.

The credit card also carries reward points for purchases made through the card, which one can redeem for purchases made from grocery stores, drug stores, and departmental stores. The card carries 5 points for every $1 worth of purchase. The customer also gets a $50 gift card and they can redeem 5,000 bonus points after the first purchase that they make with the card. The card has a regular APR of 12.5% and also there is no annual fee. American Express Reward Card - The reward card offered by American Express is known by the name of Blue. The reward credit card carries a 0% APR for the first 15 months and then the regular APR of 11.5%. There is a free credit card reward program and there is no annual free. One can apply online and can get an instant approval online. Visa and Discover Reward Credit Cards - Visa offers the Chase reward credit card. The card carries a 0% APR for the fist 12 months and then the APR carries the rate of 13.5%. Also there is no annual free and one can redeem the points earned for merchandise and travel. One can earn a bonus of 1,000 points on the first purchase made on the card. Discover has come out with the Discover platinum Gas Card. The card carries 0% APR for the first 12 months and there is no annual free. After 12 months, the APR rate is 11%. The benefit of using this card for gas refilling is that one can get a full 5% cash back guarantee on the bill amount and 1% cash back guarantee on other purchases. Also the cash back bonus gets doubled from $20 to $40 when one redeems the points accumulated for products at one of the 40 brand partners who have tied up with the company. Hence we see how the different types reward credit cards offer great benefits to the customer. There are also other reward credit cards available from other banks like HSBC. Hence, it is best to compare the benefits and the prices of the reward credit cards offered by several companies before choosing the best reward credit card scheme. The ultimate purpose should be to transfer as many monthly house holding expenses to the credit card account to avail the best benefits offered by the rewards cards.

Visa vs mastercard which is the best

The two leading credit card companies in the world today are the competitors Visa and MasterCard. They both operate along very similar lines. While Visa can claim to have almost a billion cards issued, MasterCard has over twenty five thousand banks issuing its cards and it is difficult to find any difference in the number of locations worldwide that accept the cards, which is now estimated at over twenty million. In fact, as far as most consumers are concerned, there is no real difference between the two. They are both very widely accepted in over one hundred and fifty countries and it is very rare to find a location that will accept one but not the other. However, neither Visa nor MasterCard actually issue any credit cards themselves. They are both simply methods of payment.

They rely on banks in various countries to issue credit cards that utilise these payment methods. Therefore, the interest rates, rewards, annual fees, and all other charges are issued by your bank and when you pay your bill you are paying it to the bank or institution that issued your card and not Visa or MasterCard. How Visa and MasterCard make their money is by charging the retailer for using their payment method. So the truth of the matter is that a Visa issued by say the Bank of Scotland will have very little to do with a Visa issued by other banks and may in fact by more similar to the Bank of Scotland’s MasterCard. What this means for the vast majority of customers is that you do not have to overly concern yourself with whether a credit card is MasterCard or Visa. You would be better off concentrating on the interest and other charges on the card, the balance transfer possibilities or their reward scheme. You are very unlikely to ever be effected by the fact that it is one and not the other. If you prefer, if you are going to have two credit cards, you may decide that you want one of them to be Visa and the other MasterCard, this means that if something drastic were to happen to one company, or if you were in the unlikely position of finding a location that accepts one but not the other, then you would have the option of paying with either. At the end of the day however, much more depends on the bank that gave you the card, than on the type of card it is.

Chase platinum credit card chase extends promotional period

Consumers looking to obtain a new credit card may just want consider the Chase Platinum Visa card. The Chase Platinum Visa card has been in existence for a long time, but just recently some strong improvements have been made by the J. P. Morgan & Chase Co. making the card a strong competitor in a highly competitive market. Is the Chase Platinum Visa card right for you? Please keep reading to find out for yourself. Extended Introductory Rate In the credit card business, all the top cards are still offering 0% APR for an introductory period. Six months is the standard length of time, with some offering a twelve month introductory rate period. Chase, on the other hand, recently served notice that they are extending this introductory rate out for a full fifteen months to qualified customers! If your credit history is good and your application is in order, you may be eligible for this extended introductory rate offer. Balance Transfer Offer When applying for the Chase Platinum Visa card you're eligible to transfer balances from high interest rate credit cards to your new card. You could potentially save yourself hundreds of dollars in interest costs by transferring your balances to your new card. No Annual Fee Many platinum or premium credit cards charge annual fees, but with the Chase Platinum Visa card no fee is assessed. Free Travel Accident Insurance Chase Platinum Visa cards offer up to $500,000 in travel accident insurance, an amount much higher than what most credit cards are offering today. Save money on insurance premiums as the Chase Platinum Visa card plan includes this type of insurance for free! Free Car Rental Insurance Use your Chase Platinum Visa card when renting a car and your rental insurance is completely covered too. For a one week rental, this type of insurance could easily tack on an additional $100 to your bill. With the Chase Platinum Visa card you are completely covered. Chase’s offer is all the more remarkable in the face of constantly climbing interest rates. As you probably already know, most credit card rates continue to rise along with the upward swing in all consumer rates. Thus, the Chase Platinum Visa card is truly a unique opportunity for the savvy consumer. So, if you have a good credit rating and are in need of a new credit card, the Chase Platinum Visa card may be just right for you. With credit card rates surging, taking advantage of a card offering 0% APR for 15 months is a surefire way toward saving yourself plenty of money.

Details of the new millennium bank visa application

There are several reasons why the New Millennium Bank Visa may be the right choice for your needs. This card is designed for individuals that have poor or very limited credit. This may be a good choice for those that are new to the credit world as well. The New Millennium Bank Visa is provided by New Millennium Bank. It provides for the benefit of having the card as well as receiving benefits in rewards as well. The Benefits This card offers a $100,000 travel accident insurance, provides for extended warranties on purchases and provides for a free companion airline ticket. The card does not offer any introductory rates because of the amount of risk associated to the lender. The APR is that of 19.50% fixed, a decent rate to be offered. For cash advances, the APR is a fixed 19.50% one of the lowest rates available. The card uses the Average Daily Balance method of figuring finance charges which is beneficial to those that carry a balance yet it is important to note that there is no grace period with this line of credit. That means that interest accumulates from the purchase day on. There is an annual fee and an application fee as well. You will need to make a deposit to secure the card. One of the benefits of the New Millennium Bank Visa is that you get a free membership to TheWorldsBestTravelClub. com, where you can get discounts on a variety of travel services. When you book your first condo, you get a $69 rebate for doing so. In addition, you have a referral bonus with this card at the rate of $50 per approved referral. Those that have poor credit but would like an opportunity to earn some discounts through the use of a secure line of credit should consider the New Millennium Bank Visa. Although it provides for a bit of a costly annual fee, the APR on this line of credit is rather low. In addition, no one is turned down for the card and no credit check is run.

Top four cash back rewards cards

If you haven’t taken a moment to scout new credit card offers, the time has arrived. Credit card companies are battling for the largest client base, and as a result, consumers are on the receiving end of very attractive benefits. One of the most popular types of cards on the market today is the cash back reward card. Although the logistics change depending on the financial institution, the result is the same: get cash back on every purchase! Below are the top four cash back rewards cards; check out the benefits and choose the one that’s right for you. I’ve chosen these particular offers because of the size of the rewards and because of low interest rates. Chase Cash Plus Rewards Visa Card This is one of my favorite cards because Chase doesn’t bog down the customer with a laundry list of rules and regulations. With some available cards, you have to follow very specific guidelines in order to receive rewards. With the Cash Plus Rewards Visa, all you have to do is use the card, and you’ll get cash back. Every time you use the card at a grocery store, gas station or drug store, you receive 5% cash back. When you use it for other purchases, you get 1% cash back. Then, when you build up a balance, you can either request a check from Chase Bank, or you can request a gift certificate for merchants such as Best Buy, Macy’s and Home Depot. There’s no annual fee for the Cash Plus Rewards Visa card, and new customers receive a 0% introductory APR for up to twelve months on both balance transfers and purchases. HSBC Cash Back Rewards MasterCard I recommend this card for anyone who enjoys security protection and fair, competitive rewards. With the HSBC Cash Back MasterCard, you receive 1% cash back on all purchases, with no spending requirements. They offer a 0% introductory APR for the first twelve months. There is no annual fee, and you’ll receive Zero Liability in the event that your card is stolen or used without authorization. With the Chase card, you received 5% back on some purchases, which is not true of the HSBC card. However, this card comes with unlimited purchase protection, extended warranties, and travel accident insurance. Citi Dividend Platinum Select Credit Card This is a card for anyone who wants cash back rewards, but who plans on paying the card off every month. Customers receive 5% cash back on purchases at grocery stores, drug stores and gas stations, and 1% back for all other purchases. Citi offers a 0% APR on balance transfers for the first twelve months, but the regular APR is higher than the other cards being compared here. The cash back rewards are good, but this is not the card on which to carry a balance. Citi offers the highest in security protection with a Photocard option and a fraud early warning block. They also provide Lost Wallet Protection, which means that if your card is lost or stolen, they will replace it within 24 hours. Blue Cash from American Express This is the perfect card for anyone who wants to share the benefits with a family member. Blue Cash offers up to 5% back on all purchases – the most at drug stores, grocery stores, gas stations and home improvement stores – and you receive the same cash back rewards with additional cards. That means that if your spouse, parent or child has a copy of the card, you earn cash back with their purchases as well. Blue Cash offers a 0% introductory APR for the first six months, with a low regular APR afterwards. There is no annual fee, and no spending requirement to start receiving cash back. You might also want to check out American Express’ Smart Chip service with ID Keeper. This web tool allows you to store personal log-in and password information for the web so that you don’t have to input your information every time you log on. Cash back reward cards are an excellent way to get your feet wet in the credit card world. Try some of these on for size, and see what they have to offer. If you’re going to be buying things anyway, you might as well reap additional benefits!

Details of the worldperks visa signature application

The WorldPerks Visa Signature Card offers those that have excellent credit with the benefits and the details that they deserve. If you are looking for a signature credit line that provides for exclusive benefits, then this may just be the perfect credit card offer for you. You should have a good amount of credit history and a high credit score to apply. If you qualify, you will obtain some of the best possible benefits out there. The Benefits The WorldPerks Visa Signature Card offers several of the most important features. You have no credit limit with this credit card. That means that you can spend as much as you want to on this line of credit. Your APR is that of 17.75% depending on your qualifications. There is an annual fee that is $90.00. This credit card is offered by US Bank and provides for benefits in the way of travel through Northwest Airlines. You will get two miles for every dollar that you spend through Northwest Airlines. You will additionally get one mile per dollar spent for every other purchase you make with this credit card. When you get started, you will receive 90 miles each year, when you pay your annual fee. You can also earn up to 5 miles per dollar that you spend at qualifying restaurants. To get you started, you will have 10,000 miles added to your account with your first purchase. You can then use your miles for free travel through any of the Northwest Airlines and their partners. Your miles will never expire, as long as you keep the account active. There are some restrictions on mileage that you should take into consideration, though. You can not spend more than $80,000 per year and no more than $10,000 per billing cycle. This will limit your mileage earning. The WorldPerks Visa Signature Card is the ideal choice for someone that uses Northwest Airlines or their partners, has excellent credit and is looking for a credit line that has no pre set limit.