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A New Card For Motley Fool Members
If you are an individual who is a Motley Fool member and would like a credit card that reflects that, look no further. The Motley Fool Cash Back Platinum Plus Visa Card is especially designed for members of the investment and personal finance organization. The website provided by this company has quite a following, partially due to the fact that for the past 5 years the monthly picks given by the two brothers who run the site have averaged a 22% return, over triple that of Wilshire 5000. If you feel you are one who would like to carry the credit card successful Wall Street investors carry, then you have found your card.
The card comes with a straight 1% cash back return on all purchases; that certainly makes fiscal sense. It also has no annual fee and an introductory APR of 0% for 12 months. The interest rate is 9.99% after that with the Platinum Plus Card. As far as the reward of 1% cash back, a check is automatically sent each year to all of the qualified members. Keep your account in good standing and you won’t even have to think about; instead you can focus your attention on your portfolio. Of course the real kicker is the look of the card. With the colorful jack in the box type logo, the real tried and true fans of Motley Fool will truly feel honored. Join the investing elite by applying for your very own Motley Fool Cash Back Platinum Plus Visa Card.
|| CLICK HERE TO APPLY ||
Earn Money Every Time You Use Your Credit Card
Finally a credit that allows people to earn cash back on all purchases with no limit to the dollar amount that you can earn, all with no annual fee. The Bank of America Accelerated Cash Rewards American Express Card offers 1.25% cash back on every purchase you make and then allows you to redeem that cash in the way you want; a check, a statement credit or even a direct deposit into your checking or savings account. So many credit cards offer a nominal cash back percentage or they have a limit to how much you can earn. Not this card. Earn all you want and even take it as cash if you prefer.
Some of the other features on this credit card that Bank of America offers are an introductory APR of 0% and available balance transfers and cash advances. The big draw of course is the rewards feature, so also keep in mind that once you wish to redeem those points it needs to be done in increments of $50. And at 1.25% of all your credit card activity it won’t take long to get to that $50 level; the reward interest on this card is a full .25% higher than most reward cards. Most of us will take free extra money all day long. So go ahead and enjoy the rewards of the Bank of America Accelerated Cash Rewards American Express Card. It could be that you will never have to pay for gasoline again once you start using it!
|| CLICK HERE TO APPLY ||
MasterMind of good ideas: The new Citi Upromise World MasterCard
There are plenty of good ideas! Going to college is a good idea. So are: saving for college, saving on things you buy, carrying a good credit cards, align yourself with good solid companies that help you achieve your goals. All good ideas.
And when you put them all into one offering, you get something that really helps parents and students fulfill their dream of a College Education. Studying is hard enough, saving for college shouldn’t be.
Think of the time from when your kids were born to the time your kids were ready for college. Imagine that during this time every thing that you bought, big or small, helped with the college tuition.
Wouldn’t you consider that a great idea, worthy of a great MasterMind like Citibank and Upromise?
This is what you get with the Citi Upromise Worlds MasterCard:
- 10% EXTRA college savings on thousands of grocery and drugstore items (*)
- 10% EXTRA college savings on 8,000+ Upromise Dining restaurants (*)
- 1% college savings everywhere you shop (*)
- No annual fee
- Low APR on balance transfers (*)
- No annual cap to the amount of college savings you can earn!
With an offer like this, it is never too early and never to late to start saving.
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As Seen on TV
We HAD to do it!
How many times do you remember a funny and entertaining commercial on TV, you remember what it was for (in this case - of course - credit cards) but you just can’t remember the name of the company or their web site. We understand. There are just too many credit card companies out there, and remembering a web site name? Forget about it, often there’s no MOJO in their name.
So a few people, very resourceful people, have emailed our webmaster asking “what was that credit card with the funny TV ads that lets you build your own card? You know, the one where you can put the photo of your cat and pick the interest rate and the rewards?”
It’s Capital One’s Card Lab. Capital One pairs great offerings on their credit cards with highly creative and entertaining TV ads.
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What if you need a $250,000 Credit Card?
If you were to need a $250,000 Credit Card, would you know where to go?
We do! At Credit Cards Mojo we scout the universe of credit card offerings (there are thousands coming down the wire every day) and we select the ones that stand out from the crowd. And the Total Merrill Cash Back by Merrill Lynch, with its Credit Line up to $250,000 indeed stands out. Of course you need to qualify, the $250,000 is not given away to everyone just for the asking. Still if you do have the need for such credit, click away, Merrill Lynch is waiting for you.
Of course there are other “perks” from the great people at Merrill Lynch:
- 1.9% introductory APR*;
- 9.9% APR*;
- 1% Cash Back in virtually all purchases*.
|| CLICK HERE TO APPLY ||
(*) See the official Merrill Lynch Cash back VISA site for details.
Credit Cards vs. Debit Cards for every day use.
Once upon a time, in the era before Debit Cards, financial savvy people would charge every day items and periodic expenses on their credit cards, paying off the balance at the end of the month; taking advantage of the float, rewards, extra warranties, and consumer protection.
Then the banking industry had the brilliant idea of combining the function of the credit card with the function of the checking account, and the debit card, or check card, was born.
The idea was pretty simple: why write a check, when you can just swipe your check card? And the check card looks like a credit card but works like your ATM card, swipe it, sign, and the amount is deducted from your checking account as if you wrote a check of some sort, with no reconciliation at the end of the month.
Simple enough, most consumers loved the idea, and it has spread so much that now it is virtually impossible to open a checking account and have a plain old fashioned ATM, 99% of the times, the de-facto standard is a check card.
Did you switch from charging everyday expenses like grocery, gasoline (or shall we call it liquid gold?), besides losing on the float, and missing out on potential rewards (Airline Miles, Reward Points, or Cash Back), there are a items that you might want to consider:
- Credit Hold: let’s say you go to the gas station to fill up your car, pay at the pump, and you pay by Check Card. Chances are the system is going to ask you to swipe your check card before you start pumping. Well two things happen in the background: when you first swipe your card, the system asks for a credit authorization to your bank, and then once you are done pumping, the proper amount is charged to your checking account. The problem is the original credit authorization or credit hold, takes a few business days to be released, and often it amounts to $ 75. So if you spent $ 60 in gas, your available balance has been decreased by $ 135, and if you run a tight ship those $ 75 might make A LOT of difference, and if you were relying on that $ 75 to clear checks that you have issued it will trigger an overdraft, where banks often tackle overdraft fees in the $ 25-$35 range. Did you know that?
- Maximum Liability For Unauthorized Use. If your credit card is stolen or your account compromised in any way, you are liable for only the first $ 50. It’s the law, says the Fair Credit Billing Act. Not so for a Check Card. Your Check Card doesn’t fall within the Credit Billing Act and it is regulated by the Electronic Funds Transfer Act, and your liability depends on many factors including how quickly you report the loss, how responsive your bank is; since these Check Cards and ATM cards might have unlimited liability under certain circumstances.
- Consumer Protection: if you pay for a purchase by Credit Card, and then there’s a problem with the transaction, your duty is to try to solve the issue with the vendor, and if your efforts go nowhere, you can dispute the charge with the Credit Card issuer who will immediately remove the charge from your account, debit a chargeback to the vendor, which is a good deterrent in solving the issue. Not so with a Check Card, or not always, some banks have extended similar protection to their Check Cards, be sure to read all the fine prints and to stay up to date with the updates to the Terms and Conditions of your Bank.
We hear of many people switching back to a credit card for every day use, often tallying up on a weekly basis their charges and sending one payment per week to their credit card in order to avoid overspending, which is now very easy since every major bank offers online banking with bill pay as part of their services.
Good credit cards for every day use are those credit cards that offer rewards in terms of Airline Miles, Reward Points, or Cash Back.
For a vast array of credit cards suitable for every need visit Chase “Find a Card” web tool or Citibank’s CitiCards.com comprehensive site.
Blue is the new Green.
You need credit, and you need to buy something, you need a credit card, and you need it all RIGHT NOW!
No problem-o! Blue is the new Green, and our friends at American Express can make it happen for you just a few clicks away and they give you two flavors of Blue: Blue Cash or Blue Skye, depending if you want to be rewarded with Cash or Airlines Miles! Instant credit card approval process is good, when you add choices it’s even better.
- Earn up to 5% cash back;
- Unlimited cash rewards;
- No annual fees;
- Flexibility to pay over time;
- 0% intro APR on purchases for up to 12 months.
- Earn free travel fast;
- Points good on any airline, hotel, cruise and more;
- Travel anytime no blackout dates or restrictions;
- No annual fees;
- Flexibility to pay over time;
- 0% intro APR on purchases for up to 12 months.
|| CLICK HERE TO APPLY (BLUE CASH) ||
|| CLICK HERE TO APPLY (BLUE SKY) ||
Being told “Thank you for your business” is nice, getting cash back is better!
How long have you been doing business with your current credit card? Even if you pay your balance in full every month, your credit card company makes money every time you use it by charging a commission to the store where you use your card.
Hearing “Thank you for your business” is nice, getting cash back for what you charge is even nicer. How does 2% cash back on gas and grocery sound? And 1% on all other purchases?
Capital one has the card for you: Capital One No Hassle Cash Rewards MasterCard with low APR, no Annual Fees, and no transfer fees (*).
|| CLICK HERE TO APPLY ||
(*) See Capital One official web site for details
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