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Use Less Miles And Fly More Often.

It can be quite disheartening to apply and qualify for an airline credit card only to discover later that it takes an eternity to actually accumulate enough miles to purchase a ticket. What point is there in endeavoring to use one card for all your purchases just so you can get a free airline ticket when it takes years to do so? Really, there is no point to that which is why the WorldPerks Visa Signature Card is a tremendous opportunity for someone is looking to garner free airfare.

The best feature of this card is that you can redeem award airfare tickets for as little as 19,000 miles. That is really quite low considering that you can receive 20,000 bonus miles just for qualifying and receiving this credit card. You get a free ticket right off the bat! However there are a plethora of other benefits that come with this credit care. You receive double miles for purchases direct from Northwest Airlines and there is no cap on the miles you can earn. You can also redeem only 10,000 miles up to six times a year for a $100 discount on a Northwest Airlines ticket.

Another excellent benefit which is free with this card but costs non cardholders $135 a year is membership in the Hideaways Aficionado Club. This membership allows you to enjoy VIP perks at many different hotels, resorts and cruises all for absolutely no cost. And when you are vacationing you know that you’ll need to rent a car. Use this credit card to secure your car rental and get a free day on any 3-day weekend rental from National Care Rental. The WorldPerks Visa Signature Card truly rewards its owner with a bounty of benefits.

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Photo Credits: Tvol

November 24, 2008 | Filed Under Airline Credit Cards, Credit Cards, Visa | Leave a Comment

A Points Credit Card for Spanish Speaking Cardholders

It can be very challenging figuring out how a points driven credit card works. Try finding one that will send you your statements in Spanish. For many Spanish speaking cardholders this really is preferable since it’s important to be able to clearly understand your monthly statement. Well the new Financial Rewards Platinum Plus Visa Credit Card makes things easy to understand since it offers monthly statements in either English or Spanish. So let’s break down how this credit card can pay you back. You will get $25.00 cash back for every 25 points that you accumulate on your card. And you can earn up to $600 a year without being limited.

Now the way you earn points is simple, for every $100 in new purchases that you make, you earn 1 point. Additionally you earn 5 bonus points after your first purchase and additional 5 bonus points for each $2500.00 balance transfered from another credit card. And there is virtually no shelf life on these points; they don’t expire for 5 years. So even if you don’t accrue them as quickly as some might, they won’t be taken away from you anytime soon.

So let’s put these points in a typical scenario. You sign up for the card and receive 5 points. You make about $2,000.00 in monthly purchases. You have already earned $25.00, that is how quickly it can happen. Can you afford not to be paid for your purchases? The Bank of America Financial Rewards Platinum Plus Visa Credit Card doesn’t think so.

|| CLICK HERE TO APPLY||
|| CHASQUE AQUÍ PARA APLICARSE ||

By Steve Borrelli from Sterling Home Mortgage

Photo Credits: benjieordonez (cc)

September 7, 2008 | Filed Under Bank of America, Credit Cards, Good Credit, Visa | Leave a Comment

If You Travel To Alaska, Here’s Your Card

With all the varied activities one can take part in while visiting Alaska, no wonder why it’s such a popular vacation destination. There is cruising, sightseeing, fishing, hiking, and hunting not to mention some of the most spectacular scenery in the world. With so many opportunities to observe and even interact with nature in an untouched and pristine setting, there truly is not another vacation destination like it. If you are an individual who ventures to the most northern state in the US, then the Alaska Airlines Visa Signature Credit Card is definitely for you.

There is a reasonable annual fee of $75 with a lot given in return. There is no preset spending limit, 24/7 Concierge Service, Visa Dining privileges as well as 20,000 bonus miles just for getting the credit card. Flight rewards start at 20,000 miles and there is a $50 companion ticket given out annually. As far as points go, they are accrued quite rapidly with this program; 1 mile per $1 in retail purchases, 2 miles per $1 spent in Alaska or Horizon Air purchases and up to 5 miles per $1 spent at certain restaurants and hotels. Miles do not expire and they have 10 airline partners that you can use the miles on. With all of these features and a relatively low APR, is there anything else a fan of Alaska could ask for? Maybe; a vacation home there to enjoy with your friends and loved ones and the 3 months a year of vacation time.

|| CLICK HERE TO APPLY ||

By Steve Borrelli from Sterling Home Mortgage

Photo Credits: Noël Zia Lee (cc)

September 7, 2008 | Filed Under Airline Credit Cards, Bank of America, Credit Cards, Good Credit, Visa | Leave a Comment

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 ||

September 3, 2008 | Filed Under Bank of America, Cash Back Credit Cards, Credit Cards, Good Credit, Visa | Leave a Comment

Movies about Credit Cards

We are not trying to sell you that watching a movie about credit cards should be your favorite past time or replace quality time with your family or significant one.
What we are stating is that you should be informed about credit cards, their scope, uses, proper management techniques, what to avoid, and do’s and don’ts.

There are a couple of documentaries available on DVD that showcase credit card usage (and misusage) in today’s American culture and economy.

Maxed Out: hard Times, Easy Credit and the Era of Predatory Lenders (2005). Starring: Mark Mumma, Ronald Reagan Director: James D. Scurlock.

In Maxed Out, author/director James D. Scurlock (Maxed Out: Hard Times, Easy Credit and the Era of Predatory Lenders) takes on America’s debt crisis. Consequently, he touches on related issues like race, corporate malfeasance, and political subterfuge. Scurlock’s multi-media approach incorporates statistics, news excerpts, and interviews, but it’s rarely dull (comedy bits from Louis CK and tunes from Queen and Coldplay don’t hurt). Speakers include economic professors, debt collectors, pawn brokers, investigative reporters, beleaguered consumers, and even Robin Leach (Lifestyles of the Rich and Famous). Instead of New York and Los Angeles, he concentrates on mid-size cities, like Minneapolis, Oklahoma City, and Seattle. Plenty of small towns also come into play. Though he never presses the point himself, Scurlock allows his subjects to note the similarities between the credit industry and the drug trade (others use such incendiary terms as “rape”). One thing he neglects to mention, however, is pride. If house payments are ruining your life, selling that property may be the only solution. In most cases, however, it’s hard not to feel for those individuals who didn’t know what they were getting into before they signed their lives away. For some viewers, this will be a dispiriting documentary–three subjects recount the suicides of relatives who found their debt too much to bear–but in explaining exactly how lenders and creditors make money, Maxed Out can help others to avoid some of their most egregious practices. In other words, debt may be a downer, but knowledge is power. (Courtesy of Amazon.com).

In Debt We Trust (2006). Director: Danny SchechterJust a few decades ago, owing more money than you had in your bank account was the exception, not the rule. Yet, in the last 10 years, consumer debt has doubled and, for the first time, Americans are spending more than they’re saving — or making. This April, award-winning former ABC News and CNN producer Danny Schechter investigates America’s mounting debt crisis in his latest hard-hitting expose, IN DEBT WE TRUST.

While many Americans are “maxing out” on credit cards, there is a much deeper story: power is shifting into fewer hands…with frightening consequences. IN DEBT WE TRUST reveals a hitherto unknown cabal of credit card companies, lobbyists, media conglomerates and the Bush administration itself, which has colluded to deregulate the lending industry, ensuring that a culture of credit dependency can flourish. In the film, Schechter exposes the mechanisms and machinations behind the hidden financial and political complex that allows even the lowest wage earners to indebt themselves so heavily that house repossessions have become commonplace. One expert in the film goes so far as to dub this “21st-century serfdom.”

Inspired by scholar Robert Manning - one of the films’ key advisers’ - and his seminal book “Credit Card Nation“, IN DEBT WE TRUST showcases his insights about the impact of debt on young people and our society. It also suggests the kinds of practical efforts needed to empower the public with information to avoid the traps of debt dependency.

The whole world depends on the economic stability of the United States. Yet, as its national and consumer debt escalates, our interconnected global economy is at incredible risk. IN DEBT WE TRUST, as timely and relevant as a film can be, delivers an urgent warning that can’t be ignored. (Courtesy of Amazon.com).

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September 1, 2008 | Filed Under Credit Cards, Visa | Leave a Comment

Get the Amazon Rewards Visa Card and Get $100 Off Kindle

Thanks to Chase, you get $100 off Amazon.com’s Kindle when you get the new Amazon.com Rewards Visa Card. Limited time only. Here’s how this works:

Apply online. Get a response in as little as 30 seconds. If you’re approved, Chase will instantly add the card to your Amazon.com account and you’ll get $30 back on your credit card statement after your purchase.
Add a Kindle to your cart.
Place your order using the Amazon.com Rewards Visa Card and enter this promo code: VISACARD to get the additional $70 savings at checkout.
NOTE: Additional restrictions apply.

Few of the reasons why getting yourself a Kindle is a smart idea:

Revolutionary electronic-paper display provides a sharp, high-resolution screen that looks and reads like real paper.
Simple to use: no computer, no cables, no syncing.
Wireless connectivity enables you to shop the Kindle Store directly from your Kindle—whether you’re in the back of a taxi, at the airport, or in bed.
Buy a book and it is auto-delivered wirelessly in less than one minute.
More than 150,000 books available, including more than 98 of 112 current New York Times® Best Sellers.

$Amazon.com\'s Kindle$

New York Times Best Sellers and New Releases $9.99, unless marked otherwise.
Free book samples. Download and read first chapters for free before you decide to buy.
Top U.S. newspapers including The New York Times, Wall Street Journal, and Washington Post; top magazines including TIME, Atlantic Monthly, and Forbes—all auto-delivered wirelessly.
Top international newspapers from France, Germany, and Ireland; Le Monde, Frankfurter Allgemeine, and The Irish Times—all auto-delivered wirelessly.
More than 350 top blogs from the worlds of business, technology, sports, entertainment, and politics, including BoingBoing, Slashdot, TechCrunch, ESPN’s Bill Simmons, The Onion, Michelle Malkin, and The Huffington Post—all updated wirelessly throughout the day.
Lighter and thinner than a typical paperback; weighs only 10.3 ounces.
Holds over 200 titles.
Long battery life. Leave wireless on and recharge approximately every other day. Turn wireless off and read for a week or more before recharging. Fully recharges in 2 hours.
Unlike WiFi, Kindle utilizes the same high-speed data network (EVDO) as advanced cell phones—so you never have to locate a hotspot.
No monthly wireless bills, service plans, or commitments—we take care of the wireless delivery so you can simply click, buy, and read.
Includes free wireless access to the planet’s most exhaustive and up-to-date encyclopedia—Wikipedia.org.
Email your Word documents and pictures (.JPG, .GIF, .BMP, .PNG) to Kindle for easy on-the-go viewing.
Included in the box: Kindle wireless reader, Book cover, Power adapter, USB 2.0 cable

Take action now, this is a limited time offer, and with Amazon.com’s lighting fast One-Day Shipping your brand-new Kindle could be in your hands tomorrow.

August 25, 2008 | Filed Under Amazon.com, Chase, Credit Cards, Instant Approval Cards, Reward Credit Cards, Visa | Leave a Comment

Reward Points that you can spend like cash

Chase has a different slant on Reward Points: Anything. Anytime. Anywhere.
You can spend your Chase Freedom Points just like cash, and earn points even faster since Chase will triple your points in your top 3 of 5 Everyday categories.

Get Chase Freedom Visa and you’ll get:

No Annual Fee
1 Reward point for each dollar spent, no restrictions
3 Reward points in your top 3 of 15 Everyday categories
Unlimited rewards
Spend your Points like cash
$50 cash back after your first purchase

And if you already have a Chase Visa Card, you can convert that to a Chase Freedom Card.

August 24, 2008 | Filed Under Chase, Credit Cards, Reward Credit Cards, Visa | Leave a Comment

30 cents off gasoline, and a great credit card by GE Money

Smart consumers know how to make their money work for them, and now how to make their credit cards work for the them too.

GE Money Bank has introduced today their Chevron and Texaco credit card that lets you earn 30 cents per gallon in statement credits for 60 days when you open a new Chevron and Texaco Visa Card account(*).

With this card you will enjoy:

No Annual Fee
10 cents per gallon
3% in fuel credit in non-fuel purchases at Chevron and Texaco
1% in fuel credit on your non-fuel purchases
Up to 1 year complimentary Road Service
Zero Fraud Liability
24/7 Cash access
Earn 30 cents per gallon for 60 days (Business Card only)

Be smart, make your card work for you by getting you discounts on your gasoline spending.

(*) Offer good on new account opened by September 30, 2008.

August 23, 2008 | Filed Under Credit Cards, GE, Reward Credit Cards, Rewards, Visa | Leave a Comment

PrePaid credit cards are not just for people with no other Credit Cards.

Planning, planning, planning.
These are the 3 most important words in Financial Planning, and now it is the time to start planning for the Holiday Season. Too early you say? Of course, time is indeed on your side, if you plan early.
Budgets, limits, lists, online, offline, on your PDA or iPhone sound like great ideas until you actually try to use one of them.
What if I were to tell you that there’s an easy and smart way to not only plan for the Holiday shopping, so that it doesn’t get out of control, that’s easy to manage, and will not force you to wait until the last minute to fight the mobs at the mall?
There’s is such a solution: get yourself a prepaid credit card now. Get one now, and start sending small amounts of money to it on a weekly basis, whenever you get paid, or when you have extra cash. By the time the holiday season comes around, you’ll have your budget stored into this one single card, ready to take advantage of the early sales when the stores are fully stocked, the clerks still have time to help you out, there are plenty of sizes and colors and models and special editions, and the stores still look like pleasant stores, untouched by the shopping storm.

Simply brilliant.

Click here to find some of the best and latest deals in prepaid credit cards, or you could check out the latest offering in prepaid credit cards by Ready Debit, now with FREE Credit Builder, and available in three very fashionable colors:

Photo Credits: hans s (cc)

August 21, 2008 | Filed Under Bad Credit, Credit Cards, No Credit History, Prepaid & Debit Cards, Visa | Leave a Comment

Getting credit from the same people whose mission is the democratization of style: the Target REDcard

At Credit Cards Mojo we are big fans of store-branded credit cards if you have a particular store that you prefer over others for the bulk of your shopping in certain categories.
In the long run it will save you money since you get bigger rewards from your purchases at that stores, and rewards from purchases everywhere else.

We are big fan of Target, and their mission of democratization of style, offering designers like Michael Graves, Isaac Mizrahi and others.

So if Target speaks your language of style, convenience, at good prices, there are more reasons why you want to affiliate yourself with their Target REDcard:

Take Charge of Education: Shop RED and Target will donate up to 1% of your purchases to the eligible K-12 school of your choice.
10% Off Day with New Credit Account: Get approved for a REDcard credit card account and receive 10% off an entire day of shopping at Target.
Target Rewards: Shop RED. Get points. Reach 1,000. Get 10% off. Repeat.
Target Pharmacy Rewards: Put your Rx on RED at Target and get a Target 10% off day.
And much more, including a slick site for managing your card online.

You are still on time for your back to school shopping, apply for a card today and start enjoying your Target benefits, and your School will too with their Take Charge of Education program.