The Wells Fargo Home Rebate Card is a rewards card that allows you to apply your earned rebates to your Wells Fargo Home Mortgage loan. If you have one of the following loans Reverse Mortgages, Commercial 1st Mortgage, Farm loans, FHA 2nd Mortgages, VA 2nd Mortgage, Piggy Back Mortgages, CNVN Insured and Uninsured 2nd Mortgages, HUD 2nd Mortgage, you are not eligible to apply for this credit card offer.

• Customize your card from 5 card designs
• 0% for 6 months
• No Annual Fee
• Apply earned rewards to your WFHM loan

Annual Percentage Rate
The card offers an Introductory APR of 0.00% for the first 6 billing periods the account is open. This introductory APR does not apply to cash advances. After that, APRs ranges from 12.65% to 22.65% based on your creditworthiness. Your APRs for purchase, cash advance and overdraft protection balances may vary. The purchase APR is determined by adding a margin ranging from 6.90 to 16.90 percentage points to the Index Rate. The cash advances and overdraft protection advances APR is determined monthly by adding 17.74 percentage points to the Index Rate. The Default Rate varies and is determined monthly by adding up to 23.99 percentage points to the Index Rate.

This Index Rate is equal to the highest prime rate published in the Money Rates column of The Wall Street Journal three business days prior to your billing statement closing date, subject to the applicable minimum APRs. The standard APRs for purchases are subject to minimum rates ranging from 12.65% to 22.65% and will not decrease below the applicable minimum rate regardless of changes to the Index Rate. The standard APRs on cash advances and overdraft protection advances are subject to a minimum rate of 23.49% and will not decrease below 23.49% regardless of changes to the Index Rate.

Wells Fargo Rewards
You will earn a one percent (1%) rebate for every one dollar in qualifying net purchases (purchases minus returns/credits) charged to your account. Rebates will not be earned on ATM transactions, cash advances of any kind, balance transfers, SUPERCHECKSTM, casino gaming chips, wire transfers, off-track wagers, other wagers or lottery tickets. It also does not include any fees charged to your account. Each billing period, Wells Fargo Card Services will review your account to determine any rebate you may have earned. When you have made at least $2,500 in eligible purchases with your Wells Fargo Home Rebate Card, Wells Fargo Card Services will forward to Wells Fargo Home Mortgage (WFHM) a $25 rebate payment to be applied to the principal balance on the WFHM loan specified at account opening. The rebate may be in multiples of $25 depending on the amount of eligible purchases made with your account. There is no limit to the rebate you can have applied towards your Wells Fargo Home Mortgage loan principal.

In the event we are unable to apply the earned rebate to your WFHM loan, WFHM will try to apply the rebate to another WFHM loan in your name. If you have more than one WFHM loan the rebate will be applied to the loan with the highest principal payment. If you do not have another WFHM loan, the rebate will be applied to your credit card account.

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As the holidays approach, it’s a good time to look at credit cards that offer 0% interest. Unlike a balance transfer offer that charges a balance transfer fee, these cards offer no interest on purchases without any fees. In fact, with the card options below, you’ll find 0 interest credit cards for 12 months and some that last for 6 months. In addition, many of the cards offer cash back rewards.

We’ll start with an editor’s pick card, the Chase Freedom.

Chase Freedom–Editor’s Pick

Chase Freedom Card

• $50 Cash Back after your first purchase
• 3% bonus cash back offers in categories like gas, home improvement and department stores
• Full 1% Cash Back on every purchase
• No spending tiers or caps on how much you can earn
• Up to an additional 20% cash back at select merchants when you shop online through Chase
  

Citi Forward–Rewards Good Behavior

Citi Forward Card

• The Credit Card That Rewards You for Your Good Behavior
• Up to a 2% Purchase APR Reduction When You Make a Purchase, Stay Under Your Credit Line and Pay on Time 3 Billing Periods in a Row.
• 6,000 Bonus Points After $250 in Purchases are Made Within 3 Months of Account Opening.
• 5,000 Bonus Points When You Sign Up for Paperless Statements Within 3 Months of Account Opening.
• 5 Reward Points for Every $1 You Spend on Dining, Books, Movies and Music. 1 Reward Point for Every $1 You Spend on Other Purchases.
• 0% APR for 6 Months on Purchases and Balance Transfers.
  

Chase Slate–0 Interest Credit Card for 12 Months

Slate by Chase

• Now with Blueprint(SM)
• 0% intro APR for up to 12 months on Purchases and Balance Transfers

• Patented Fraud Protection
• Zero Liability on Unauthorized Purchases
• E-mail and text alerts
• No Annual Fee
  

The Sears MasterCard is a rewards card offered through Citi® Bank. The card comes with the Citi® Bank fraud protection program. The card offers a unique feature that allows you to get your credit score.

• No Payments/Interest for 12 months
• Sears Choice Rewards Program
• Variable APR
• Credit Score Access

No Payments/ No Interest Offer
This offer applies to electronics purchases over $399 after discounts and coupons are applied. The purchase has to be paid in full within 12 months. This offer is not valid with Sears Commercial One and Sears Home Improvement Account Accounts. This is a deferred interest option, which means if you don’t pay off the balance in 12 months the interest accrues and will be added to your account. This can also take place if you default on your account.

Sears Card APR’s
Your APRs may vary each billing based on changes to the prime rate. The purchase APR equals the Prime Rate plus 17.15%. The cash access APR equals the Prime Rate plus 18.15%. The default APR equals the Prime Rate plus up to 22.15%.

If you default under any card agreement you have with us because you do not make the minimum payment when due, go over the credit line, or make a payment to us that is not honored, all your APRs may automatically increase to the default APR. We set your default APR by reviewing (1) the seriousness of your default with us and (2) your credit history.

Sears Choice Rewards
You earn points for eligible dollars spent and charged to your Sears MasterCard card. Everyday purchases gasoline, groceries, and drugstore items, plus all of your Sears and Kmart purchases,will earn you points. Once you reach 2,500 points you can start redeeming them. You can redeem for travel discounts beginning at 10,000 Points and redeem 25,000 Points for one round-trip coach ticket

Credit Score Access

As of October 22, 2009 Sears extended to all its card holders the ability to access their TransUnion Transrisk score at no additional cost. This is a secure was to find out your credit score and manage your credit. Each month, the credit score will be updated for all enrolled Sears Cardholders. To view your personalized score and details, you just login to SearsCreditScore.com. As a convenience, you can sign up for monthly email update notifications. This program does not count as an inquiry that will lower your score.

You can use the credit report card to understand credit scores and reports. You will learn how the various credit report metrics correlate to your credit score. The five key metrics that affect your credit score are graded on a simple A-F letter grade scale. Improving one or more of your credit grades is an easy way to protect your credit and financial health.

You can receive a new credit score every 30 days. The interactive tools and credit simulators will give you a better understanding of how to get the most from your credit. Since credit scores can be difficult to understand the credit score simulator will show you how your credit score could change based on 14 common financial activities. In addition, this service will track your score over time so you can see the impact of your ordinary actions on your credit score.

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The Quicken Rewards Visa® Credit Card is issued by Chase Bank and is a rewards card. This card comes in two different versions (Signature or Platinum) based on your creditworthiness and is designed for those that have good to excellent credit.

• Get $30 back after your first purchase with instant credit
• Receive instant credit on approval
• Pay no annual fee
• Make purchases and earn points toward rewards
• Earn double points on dining, gas station, pharmacy and office supply store purchases

Variable APR Information
The APRs may vary monthly based on the Prime Rate and are as follows: Purchase and Balance Transfer APR: The Prime Rate plus, as applicable, 9.99% or 12.99%. The rate you get is based on your credit worthiness and to determine the variable rate you add your rate to the prime rate. The “Prime Rate” is the highest prime rate published in the Money Rates column of The Wall Street Journal two business days before the Closing Date on the statement for each billing period.

Your APRs may increase if you default on this account for any of the following reasons: We do not receive at least the minimum payment due by the date and time due; you exceed your credit line, if applicable; or you make a payment to us that is not honored by your bank. Your APRs may increase as of the first day of the billing cycle in which the default occurs.

Get $30 Cash Back
You will qualify for and receive your bonus after your first purchase/first use of the card. First purchase/first use includes purchases, balance transfers, or any checks that are used to access your account, and excludes cash advances. After qualifying, please allow 6 to 8 weeks for statement credit to post to your account. This one-time bonus offer is valid only for first-time cardmembers with new accounts.

Quicken Rewards
You will earn 5 base points for each $1 of eligible net purchases made at Intuit.com. You will earn 1 base point for each $1 of all other eligible net purchases. You will earn an additional 1 point for each $1 of eligible net purchases made at retail establishments that classify their merchant location for Visa as a gas station, drugstore, office supply store, or type of dining establishment. Purchases not eligible to receive the 1 additional point include, but are not limited to, purchases made at superstores, warehouse clubs, and discount stores. Online and catalog purchases are not eligible to receive the 1 additional point unless the merchants have correctly identified and billed the transactions. We do not determine whether merchants correctly identify and bill transactions as being made at a gas station, drugstore, office supply store, or type of dining establishment.

We do reserve the right to determine which purchases qualify for the 1 additional point. You do not earn points on balance transfers, cash advances, cash-like charges such as travelers checks, foreign currency, and money orders, any checks that are used to access your account, overdraft advances, interest, unauthorized or fraudulent charges, or fees of any kind, including fees for products that protect or insure the balances of your account.

The maximum point accumulation on net purchases earning 1 base point plus the additional 1 point (2 points total) is 4,000 points per billing cycle, which equates to $2,000 in net purchases. The maximum point accumulation on all net purchases (including net purchases earning 2 points) is 60,000 points Annually. (”Annually” means the year beginning with your enrollment date through the first statement after the anniversary of your enrollment date, and each twelve months thereafter.)

Points will be awarded and will be redeemed for rewards on a first-earned, first-redeemed basis. Points earned during the month are not available for redemption until they are posted on your monthly billing statement. Once you accumulate the required number of points, you will be eligible to redeem them for your selected reward item. To redeem your points, contact the Rewards Headquarters toll-free at 1-800-603-2265 (or redeem online at www.chase.com/quicken). Points can be redeemed for airline tickets but there are restrictions that are listed in the terms and conditions.

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The Chase Freedom Credit Card is designed to catch the attention of those who are seeking a cash back card. This card offers cash back on purchases such as gas, groceries and fast food. In addition, if you are an online shopper this card is part of the Chase Rewards Plus program that offers up to 10% cash back when shopping online. With this card there are no annual fees and a 0% Intro APR. Check out some of the details below to see if this card is right for you.

$50 Cash Back

You will receive $50 in bonus rebates with this bonus offer, which can be redeemed for a $50 check. You will qualify for and receive your bonus after your first purchase/first use of the card. First purchase/first use includes purchases, balance transfers, or any checks that are used to access your account, and excludes cash advances. After qualifying, please allow 6 to 8 weeks for bonus rebates to post to your account. This one-time bonus offer is valid only for first-time cardmembers with new accounts. Existing cardmembers/accounts are not eligible for this bonus offer.

1% Cash Back

Cash Back Rewards described in this offer is a form of rebates subject to the Rewards Program Rules and Regulations; see Earning Rewards section. Restrictions and limitations apply. You will earn a 1% rebate for each $1 of net purchases. You will earn an additional 1% rebate for each $1 of eligible airfare net purchases made online through the program booking tool. You do not earn rebates on balance transfers, cash advances, cash-like charges such as travelers checks, foreign currency, and money orders, any checks that are used to access your account, overdraft advances, interest, unauthorized or fraudulent charges, or fees of any kind, including fees for products that protect or insure the balances of your account. There is no maximum number of rebates that you can accumulate in the program. A service fee of up to $20 per ticket may be charged for the use of our toll-free number to book or change airline itineraries. Redemptions made online do not have a service fee. See Rewards Program Rules and Regulations which will be mailed after your account is established.

3% Cash Back

You will be eligible for quarterly bonus rewards offers as long as your account is not in default under, and/or you have not violated, the terms of your Cardmember Agreement and Rewards Program Rules and Regulations, and your statements are sent to a US address. The 3% cash back rotates between different categories of gas, home improvement, and department stores.

0% Intro APR

The length of your introductory period will be either 12 billing cycles from account opening for purchases or 3 billing cycles from account opening for purchases depending on our review of your application and credit history. APR is valid for introductory period so long as you comply with the terms of your account. Payments apply to the introductory balances before balances with higher APRs. This means that the length of your introductory period may vary based on your payment amounts and the APRs for other balances on your account. Learn more about rates, fees, and other cost information by reviewing Pricing & Terms.

Shop Online and get 10% Cash Back

When you shop online with Chase Rewards Plus you can earn up to 10% cash back. To take advantage of this offer you must first enroll your account at www.Chase.com and you have to shop through the links provided by Chase. There are hundreds of merchants that are part of this program so this is a great way to earn cash back on your online purchases.

If you are looking for a cash back card the Chase Freedom Card could be the one for you, but there are other cards that also offer those rebates. This card is not ideal for a balance transfer card, but there are cards available for that purpose.

As a young adult building strong credit and financial history is one of the most important things you can do. The financial decisions you make today can affect every aspect of your life in either a positive way or a negative way. With financial independence comes a whole new set of freedoms and possibilities. This article lists four credit cards that are geared towards establishing credit for young adults.

Capital One No Hassle CashSM Rewards for Young Adults

No Hassle Cash Rewards Credit Card for Young Adults

All rates including Purchase APR, Transfer APR, Cash APR, and Default APR may vary quarterly due to changes in the prime rate. Your Purchase Rate is a variable rate and can be determine by adding 16.55% to the prime rate. If the prime rate changes this will change your rate as well, as stated in Capital One’s disclosure. If you are late on your payment or your account goes into default, this can also increase your rate.

Capital One Classic Platinum for Young Adults

Classic Platinum Credit Card for Young Adults

The card offers an intro rate of 0% for the first 6 months and then it changes to a variable rate. Your variable APRs can go up or down as the Prime rate goes up or down. Your introductory APRs may expire and increase to your non-introductory APRs if your payment is received late (3 or more days after your payment due date). Capital One may increase your APRs to the Default APR if your payment is received late twice within any 12 billing periods.

Capital One MTV® Visa®

Capital One MTV Visa

This card offers an introductory APR of 0% for ten months. After that the rate is a variable rate that can vary quarterly based on changes to the prime rate. If your payment is received late (3 or more days after your payment due date) twice within any 12 billing periods, Capital One may increase your APRs to the Default APR. If it is increased for late payments, Capital One may return you to your prior non-introductory APRs if you make at least the minimum payment on time for 12 consecutive billing periods.

U.S. Bank Young Adult Visa® Card Application

U.S. Bank Young Adult Visa

The APR you receive is a variable rate between 11.99% to 20.99% variable and is based on your credit worthiness. The variable rate is determined by adding a margin to the Prime Rate and may vary monthly. The Prime Rate used to determine your APR is the highest Prime Rate published in the “Money Rates” section of the Midwest Edition of The Wall Street Journal in the last 90 days before the date on which the billing cycle closed (in other words, the “statement date”). The margin used is as follows: Purchases and Balance Transfers is 7.99% to 16.99%, Cash Advances is 15.99% to 16.99% and the Delinquency Rate is 23.99%.

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I love books. In fact, just this past week I purchased the Amazon Kindle, which is truly amazing. With Kindle, you can wirelessly download any book from Amazon that is available for the Kindle. And Amazon offers a ton of FREE books, too. So that get me to thinking, are there any credit card offers with cash back rewards for buying books? The answer is yes! The following credit cards offer perks for the book lovers out there. The three cards featured are rewards cards that allow you to earn points and then redeem them accordingly. Each card has its own benefits and promotions and you don’t necessarily need to be a bookworm to find the cards useful.

Amazon Visa Card

Amazon Visa Card

• Get a $30 statement credit
• Earn Rewards Points
• Redeem Your Points
• No Annual Fee

Rewards Details
This card is a general rewards credit card. After your first purchase with the Amazon.com Rewards Visa Card, you will be credited $30 on your credit card statement. You also start earning points right away on eligible purchases. Here’s how it works: You earn 3 points for every $1 spent on Amazon.com, 2 points for every $1 spent at gas stations, restaurants, and drug stores, and 1 point for every other $1 spent. You can redeem your points for Amazon.com gift cards, cash back, airline miles and more. You can start redeeming your points once you accumulate 2,500 points.

Annual Percentage Rate
The Amazon Visa Card’s APR may vary monthly based on the Prime Rate. The “Prime Rate” is the highest prime rate published in the Money Rates column of The Wall Street Journal two business days before the Closing Date on the statement for each billing period. Purchase and Balance Transfer APR: The Prime Rate plus, as applicable, 9.99%, 14.99%, or 17.99%. Cash Advance APR: The Prime Rate plus either 15.99% or, if your purchase APR is 21.24%, then plus 19.99%. Default APR: The Prime Rate plus up to 26.99%, but not more than 29.99%. Overdraft Advance APR: The Prime Rate plus 15.99%.

Your APRs may increase if you default on this account for any of the following reasons: We do not receive at least the minimum payment due by the date and time due; you exceed your credit line, if applicable; or you make a payment to us that is not honored by your bank.

Barnes & Noble MasterCard

Barnes & Noble MasterCard

• Free $25 Gift Card
• Extra 5% Back at Barnes & Noble
• No Annual Fee
• 0% on Balance Transfers

Rewards Details
The card gives you a $25 Barnes & Noble gift card after your first purchase. If you shop at the Barnes & Noble store or online at www.bn.com and use your card you will get an extra 5% off. The 5% shows us as a credit on your next statement. You also earn one Reward Point for every dollar you charge anywhere else, this includes everyday purchases like gas and groceries. Once you reach 2,500 points, you’ll automatically receive a $25 Barnes & Noble Gift Card. The Barnes & Noble MasterCard also offers a special 10% Cashback offer to card holders that allows you to save on best sellers. This promotional offer will be applied to your account within 8 weeks. And finally, the card comes with a 0% balance transfer offer for 6 months.

Annual Percentage Rate
The Barnes & Noble MasterCard offers a special Balance Transfer Convenience Checks APR is 0 % for the first six billing cycles after you open your account. Your APR may vary each month and is determined by adding the following percentages to the Prime Rate. For purchases, Balance Transfers and Convenience Checks (after the introductory period) the rate is either 7.49%, 9.99%, or 12.99%. For Cash Advances the rate is 15.99% and this rate will not be lower than 19.99%. The Penalty APR can be up to 23.99%

The applicable Penalty APR that will be applied to your Account will be determined based upon our review of your credit history (including your credit performance with other creditors). The Penalty APR will increase or decrease with changes in the Prime Rate.

Discover More Card

Discover More Card

• 5% Cashback Bonus for travel, home improvement, gas and more
• 5% to 20% Cashback Bonus at top retailers
• 1% Unlimited Cashback Bonus
• No Annual Fee

Rewards Details
You can earn unlimited cash rewards on all purchases. You can earn 5% Cashback Bonus on category purchases throughout the year by signing up for each program. When you sign up, you will receive all the details, including the limit on the amount you can earn. In addition, earn 1% unlimited Cashback Bonus on all other purchases after your total annual purchases exceed $3,000; other purchases that are part of your first $3,000 earn .25%. Warehouse purchases (those made at select warehouse clubs, discount stores and their affiliates) earn .25%. Rewards are redeemable starting at $20 and they have no expiration date; however, if your account is closed for any reason or inactive for 18 consecutive months or if you fail to make the Minimum Payment Due by the Payment Due Date for two consecutive billing periods, your Cashback Bonus will be forfeited.

Annual Percentage Rate
The Discover More card offers a intro rate of 0.0% on Balance Transfers for 6 billing periods from the date the account is opened. This offer only applies to balance transfers requested with your Application. The standard purchase APR may vary monthly and equals the Prime Rate plus an amount between 8.74% and 15.74%. The cash advance APR may vary monthly and equals the Prime Rate +20.74%. The default APR may vary monthly and equals the Prime Rate + up to 27.99%, but this rate will never exceed 29.99%; effective January 1, 2010 the default APR for purchases may vary monthly and equals the Prime Rate + up to 13.74% or up to 20.74%; the default APR for cash advances may vary monthly and equals the Prime Rate + up to 25.74%.

If you are late making a payment, any introductory/promotional rates will end and we may increase all your APRs to a Default Rate. Effective January 1, 2010, each time you fail to make a payment when due, we may, in accordance with applicable law, (i) terminate the availability of any introductory/promotional APRs on new transactions, and (ii) increase your APRs for new transactions to variable Default Rates which will be determined by adding up to an additional 5 percentage points to the otherwise applicable APR.

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Ink Plus by Chase

• Airport lounge access
• Earn up to 25,000 bonus points each year
• Automatic enrollment in Ultimate Rewards
• First year free; $60 annual fee thereafter

Variable APR Information
The variable APR for purchases is 13.24%. Some of the other rates are as follows: Balance Transfer APR: 13.24% variable. Cash Advance APR: 19.24% variable. Default APR: Up to 29.99% variable. See explanation below. Overdraft Advance APR: 19.24% variable (not available in some states)

Your APRs may increase if you default on this account for any of the following reasons: We do not receive at least the minimum payment due by the date and time due; you exceed your credit line, if applicable; or you make a payment to us that is not honored by your bank. We may consider the following factors to determine the default rate: the length of time your account has been open; the existence, seriousness and timing of defaults; other indications of your account usage and performance; and information about your other relationships with us, any of our related companies or from consumer credit reports.

The following APRs may vary monthly based on the Prime Rate: Purchase and Balance Transfer APR: The Prime Rate plus 9.99%. Cash Advance APR: The Prime Rate plus 15.99%. Default APR: The Prime Rate plus up to 26.99%, but not more than 29.99%. Overdraft Advance APR: The Prime Rate plus 15.99%.

The “Prime Rate” is the highest prime rate published in the Money Rates column of The Wall Street Journal two business days before the Closing Date on the statement for each billing period. Variable APRs are based on the 3.25% prime rate on 12/22/2008.

Ink Plus Rewards
You can redeem your rewards for for airline tickets for any class or destination with no travel restrictions or blackouts. Your points can be transferred at full value (1:1) to some of the industry’s leading frequent flyer and hotel loyalty programs. You also have the option to redeem your points for gift cards, brand-name merchandise, cash back starting at $50 for 5,000 points, and more. You can log on anytime to check your points balance, earn bonus points, redeem rewards and much more.

You can receive up to 25,000 bonus points every year. You can earn 10,000 bonus points when you spend $50,000 on your card in one year. Earn 15,000 more bonus points when you spend another $50,000 on your card in the same year. There’s no limit to how many points you can earn, and your points never expire. Earn 1 point per dollar on all purchases and earn up to 10 bonus points per dollar when you shop online at over 300 of your favorite merchants featured at the Ultimate Rewards Mall. Earn 2 points per dollar you spend on airfare purchased through the online Travel Booking Tool.

Business Tools
The Ink Cash card allows you to get additional lnk Cash cards for your employees at no cost. You’ll earn cash back on all of their purchases too. You will have the ability to set unique spending limits in real time for each employee card, and then you can view individual employee activity and create customized expense reports. The card also offers a Fraud Early Warning service that will help you stay in control and be notified of any charges to the account. Track expenses and identify potential tax deductions with itemized monthly statements and quarterly management reports with Chase Blueprint.

Ink Plus Fees
Below are a list of some of the fees associated with the Ink Bold card. For a complete list you should review the terms and conditions provided by Chase.

• Annual fee: None first year. After that, $60.00.
• Minimum finance charge: $1.00
• Transaction fee for balance transfers: 3% of the amount of each transaction, but not less than $5.00.
• Transaction fees for cash advances: 3% of the amount of the transaction, but not less than $10.00.
• Late Payment fee: $15.00 on balances up to, but not including, $100.00; $29.00 on balances of $100.00 up to, but not including, $250.00; and $39.00 on balances of $250.00 and over.
• Over-the-Credit-Limit fee: None
• International Transaction fee: 3% of the U.S. dollar amount of the transaction, whether originally made in U.S. dollars or converted from a foreign currency.

Ink Plus Summary
The Ink Plus card by Chase gives you financial flexibility with a business-sized credit line to meet your purchasing needs. It offers the ability to revolve a portion of your balance month to month or pay it off in full.The card is accepted worldwide, wherever Visa credit cards are accepted. For more information on the Ink Plus card visit the Chase Ink website.

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*We do our best to accurately reflect the terms and conditions of credit card offers on this site. But please recognize that these terms and conditions can and do change from time to time. When you apply for a credit card offer, please make sure to read the terms and conditions on the credit card issuer’s website, as they may have changed since the information was last updated on this site.
]]> http://creditcardoffersiq.com/blog/ink-plus-visa-by-chase/feed/ 0 http://creditcardoffersiq.com/blog/credit-card-offers-for-pet-lovers/ http://creditcardoffersiq.com/blog/credit-card-offers-for-pet-lovers/#comments Sat, 17 Oct 2009 09:38:41 +0000 David http://creditcardoffersiq.com/?p=2953

If you are like millions of pet owners across the country your pet is an important part of your family. Our animals offer us love, loyalty and protection. Unfortunately, our four-legged family members are just as likely to become ill or have an accident as any of our loved ones are. Regular trips to the vets office can quickly put a dent in our bank accounts, not to mention the unforeseen costs that can take place if an emergency occurs. If your like my family and have more than one furry friend then your costs can double or even triple before you know it. In my household we have two dogs and are temporarily fostering a third. Just over the last week an unplanned trip to the vet cost us $400. One option that I have recently found that can make these costs a bit more manageable is Care Credit.

Care Credit is a personal line of credit that can be used for your pet care and your health care expenses. It works just like a credit card, but can only be used for health care services. The great thing is that it can be used for all members of the family, even the four legged ones. The card offers a no interest option on every purchase you make. All you have to do is pay your minimum monthly payment and pay off the balance by the end of the promotional period. Not all health care providers take Care Credit so be sure to check with your office. Below are the two interest options Care Credit offers its card members. The no interest option is a deferred interest plan which means the accumulating interest will be charged to you if you don’t pay the balance off in the agreed upon time frame or if you are late on the monthly minimum payment.

No Interest Option
The Care Credit Card offers no interest on your purchases if paid within 3, 6, 12, 18 or 24 months. A $300 minimum purchase amount is required for plans longer than 3 months on the CareCredit account. A monthly payment is required, but no Finance Charges will be assessed if you meet the following restrictions: On promo purchase balance, monthly payments required, but no Finance Charges will be assessed if (1) promo purchase balance paid in full in 3, 6, 12, 18 or 24 months, (2) all minimum monthly payments on account paid when due, and (3) account balance does not exceed credit limit. Otherwise, the promo may be terminated & Finance Charges assessed from purchase date. On promotions requiring a minimum payment, payments over the minimum will usually be applied to those promo balances before non-promo and other balances. If you have a non-promo balance, this may reduce the benefit from the promo.

Extended Payment Plans
This option is valid on purchases of $1000 or more (24, 36, 48 months) or $2500 or more (60 months) made on the CareCredit account. On promo purchase, fixed monthly payments equal to 4.7966% for 24 months, 3.4129% for 36 months, 2.7276% for 48 months, or 2.3216% for 60 months required, but finance charges will be applied to promo balance at the reduced daily periodic rate of .03808% (ANNUAL PERCENTAGE RATE 13.90%) if (1) promo purchase paid in full in 24, 36, 48 or 60 months, (2) any minimum monthly payments on account paid when due, and (3) account balance does not exceed credit limit. Otherwise, promo may be terminated.

Summary
I have read both favorable and unfavorable reviews on Care Credit. All the unfavorable reviews stem from the deferred interest part of the card. This is important to understand that in this case the No Interest option is a deferred interest rate. This means that if you don’t pay the balance off in the required amount of time then the accumulated interest will be added to the balance of your card. In the event that this happens it could add hundreds of dollars onto your balance. If you don’t understand the deferred interest plan this could be quite a surprise, so like with any credit card, be sure you understand all the details before you use it.

Welcome to the 86th edition of the Money Hacks Carnival–Platinum Edition. We’ve organized the carnival this week by credit card status (we are a credit card site, after all). All the articles included in this week’s carnival are worth reading and provide excellent money hacks.

Visa Black Articles

Baker presents Use a Lease Option to Lock in Low Home Prices posted at Get Rich Slowly (Real Estate).

The Investor presents Emergency funds: The ten essential steps posted at Monevator (Savings).

Helen presents BRIC-Master posted at Affine Financial Services (Investing).

Mrs. Accountability presents Old Appliances Really Do Use More Electricity! «Out of Debt Again posted at Out of Debt Again (Smart Spending).

Platinum Articles

MLR presents A Guide to Greatness posted at My Life ROI, Getting the Best Return On Life (Life).

Tyler presents 10 Green Changes in Less than 10 Minutes for Less than $10 posted at Frugally Green (Green Living).

Darwin presents Verizon FIOS is WAY more Expensive than you Think — Here’s Why posted at Darwin’s Finance (Smart Spending).

Jeff Rose presents Term Life Insurance Vs. Cash Value Life Insurance: What Is the Difference? posted at Jeff Rose (Insurance).

a.b. presents Frugal Bang For Your Buck: Easy Ways To Cut Expenses posted at Modern Tightwad (Smart Spending).

The Smarter Wallet presents Avoid Bankruptcy! Information To Help You Stay Afloat posted at The Smarter Wallet (Bankruptcy).

Shadox presents Trouble with Our House Purchase… posted at Money and Such (Real Estate).

Gold Articles

D4L presents Three Dividend Stocks With A Perfect Risk Score posted at Dividends Value (Gold).

FMF presents The Whip Cracks Both Ways posted at Free Money Finance (Investing).

Matt SF presents Monetize Your Photos with a Personal Endorsement from Udorse.com posted at Steadfast Finances (Make Money).

Super Saver presents End of Year Tax Planning – Deductions posted at My Wealth Builder (Taxes).

Ray @ Financial Highway presents Probate- Why and How to Avoid Probate Fees posted at Financial Highway (Trusts & Estates).

MoneyNing presents Why Do High Yield Savings Account Rates Change posted at Money Ning (Saving).

bigred hagans presents Definitive Guide To 130/30 ETFs: 130/30 ETF Investing 101 posted at ETF Database (Investing).

DR presents List of No Penalty CD (Certificates of Deposit) Rates posted at The Dough Roller (Saving).

Aryn presents Top 10 Things to Buy at the Dollar Store posted at Sound Money Matters (Smart Spending).

PT presents Low Score Got You Down? How to Establish or Rebuild Your Credit posted at Prime Time Money (Credit).

Bucksome presents Couples Therapy for…Money posted at Buck$ome Boomer’s Journey to Retirement (Marriage).

Silicon Valley Blogger presents How To Improve Your Credit Score: A 6 Step Plan posted at The Digerati Life (Credit).

Tom @ Canadian Finance Blog presents How To Avoid Bankruptcy With A Consumer Proposal posted at The Canadian Finance Blog (Bankruptcy).

Sun presents Quizzle Offers Free Credit Score and Report posted at Earn More Invest Wisely at The Sun’s Financial Diary (Credit).

Madison presents Solo 401k Retirement Plan for the Self-Employed posted at My Dollar Plan (Retirement).

Cecil Dellison presents American Express Improves Gift Cards, Will Others Follow? | Clearchoicecreditcards posted at Clear Choice Credit Cards (Credit Cards).

Hank presents Index Funds Are Like Glazed Doughnuts – Boring! posted at Own The Dollar (Investing).

The Amateur Financier presents Money is NOT a Zero Sum Game posted at The Amateur Financier (Life).

CreditCardAssist presents Is It the End of the Credit Card Era? posted at CreditCardAssist.com (Credit Cards).

Chris O. presents Who?s Hiring in California? posted at financial reflections (Employment).

The Financial Blogger presents Tips on Budgeting for a Wedding – Getting Married Without Going Broke posted at The Financial Blogger (Weddings).

Silver Articles

Jose presents SOME SUGGESTIONS FOR LANDLORDS posted at Finance, Credit, Insurance and all (Real Estate).

Peak Personal Finance presents Finding the Right Tax Balance posted at Peak Personal Finance (Taxes).

Billeater presents How To Determine The Best Debt Elimination Strategy posted at Billeater (Debt).

Paul Williams presents Changing Your Name after Marriage posted at Provident Planning (Marriage).

Deposit Accounts presents The Differences Between Certificate of Deposits and Brokered Certificate of Deposits posted at deposit Accounts (Savings).

Matthew Paulson presents The Fine Print on the U Return Plan by GM posted at American Consumer News (Smart Spending).

MBB presents Online Brokerages For Cheap Stock Trades posted at Money Blue Book Blog (Investing).

Raj Patel presents Balance transfer option off of the table? posted at DebtGoal (Credit Cards).

Investing Toolkit presents Stock Picking Pros and Cons: Should You Buy Individual Stocks? posted at Investing Toolkit (Investing).

Manshu presents Prepaid debit cards to control spending posted at OneMint (Credit Cards).

Heidi presents Earn Unlimited Bonuses with a 529 Account posted at Little People Wealth (Education).

Travis presents Building Your Emergency Fund posted at Christian Money Mountain (Savings).

Zach Scheidt presents Blackstone to Capitalize on Market Liquidity posted at ZachStocks (Investing).

Retirement Savior presents Stocks Versus Bonds – Defining your Long Run posted at Retirement Savior (Investing).

That concludes the carnival for this week. Be sure to check out next week’s carnival hosted by Green Panda Treehouse.