Card Options for Excellent Credit
Escape by Discover Card
Those with excellent credit history can benefit from the new Escape Discover card. This card is especially designed to provide rewards specific for those who travel often. It serves as a credit card with enhanced benefits for travelers. There is a 0% APR on balance transfer for the first six months. A quick application and approval process without interest until the end of the billing period. If travel is something you do often and your credit rating is in good standing this is a great option for you.
Platinum Card by American Express
No preset spending limits, unique rewards and first class service make this credit card well worth its’ annual fee of $450. The fee goes to off set the cost of the Platinum benefit service packages that encourages dining, hotel and other excellent specialty benefits rewarded to cardholders. Known for excellent customer service this card is costly but well worth the perks and benefits. Because it is accepted worldwide it also carries exceptional fraud protection and insurance options that cover a wide range of circumstances. Those considering this unique card should be aware of the terms, rules and details of the cardholder agreements.
Options for No Credit
Account Now Prepaid Visa
This prepaid credit card is especially designed for those who have no credit or difficulty obtaining a credit card. Not having a bank account, employment verification or a credit history are a few of the reasons why many people are unable to get a traditional credit card. Account Now does not require credit checks or bank accounts for approval; it does however require upfront payments that are credited to the account to balance the risk to the lender. The card offers advance payment, direct deposit and different plans that are designed for the specific needs of the cardholder.
Secured Black Diamond MasterCard/Visa
The Secured Black Diamond card is a new card that guarantees approval regardless of lack of or bad credit score. It grants an up to amount of $5,000 without credit check or employment verification. This credit limit is an unusually high amount for those without credit. Regular on time payments will earn you the opportunity for advanced credit and an improvement to your credit history.
Wired Plastic Prepaid Visa
Issued by Bank first, this card requires its holders to prepay money onto the card towards future spending. There is no interest, annual fees, credit check or employment verifications required. The card is unique in that it offers a rewards program that gives you rewards for spending money. Rewards points can later be redeemed for a variety of goodies. Keep in mind that although this is not a traditional card there are a few small fees that are incurred for using this card. The low risk and reward benefits are the bonus to holding this card. This card will not work to build or establish credit, but will work to provide money management skills and a few nice perks. This card is an ideal option for teenagers, college students or for a first time cardholder to learn the ropes before diving into the responsibilities of a traditional credit card.
Options for Good Credit
Gold Visa
Gold Visa is a low cost option available for those with average credit ratings. Low interest rates that are fixed are the selling point of this Visa card. The rates for cash advances are the same as purchases, which is unusual. Typically credit cards charge significantly higher fees for cash advances. There are no extra perks or specialty rewards. This is a solid reputable card that provides basic services to those with good credit.
Discover More Card
Discover More Card is a card that offers purchase rebates and cash back rewards program. The card is geared for those that have maintained a good credit rating and are looking to maximize on reward options. No annual fee and a low APR make this a low risk and high benefit card. Platinum befits are offers to cardholders that include insurances for automobiles, and travel. The protection programs offer strong security against fraud, loss or misuse. Those that use the card regularly and pay off their monthly balance will benefit from the cash back rebate and liberal limits.
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