5 Important tips to protect your credit card Online

Get copies of your credit report--then make sure information is correct.

Go to www.annualcreditreport.com . This is the only authorized online source for a free credit report. Under federal law, you can get a free report from each of the three national credit reporting companies every twelve months.

You can also call 877-322-8228 or complete the Annual Credit Report Request Form and mail it to Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281.

Pay your bills on time.

One of the most important things you can do to improve your credit score is pay your bills by the due date. You can set up automatic payments from your bank account to help you pay on time, but be sure you have enough money in your account to avoid overdraft fees.

Understand how your credit score is determined.

Your credit score is usually based on the answers to these questions:

• Do you pay your bills on time? The answer to this question is very important. If you have paid bills late, have had an account referred to a collection agency, or have ever declared bankruptcy, this history will show up in your credit report.
• What is your outstanding debt? Many scoring models compare the amount of debt you have and your credit limits. If the amount you owe is close to your credit limit, it is likely to have a negative effect on your score.
• How long is your credit history? A short credit history may have a negative effect on your score, but a short history can be offset by other factors, such as timely payments and low balances.
• Have you applied for new credit recently? If you have applied for too many new accounts recently, that may negatively affect your score. However, if you request a copy of your own credit report, or if creditors are monitoring your account or looking at credit reports to make prescreened credit offers, these inquiries about your credit history are not counted as applications for credit.
• How many and what types of credit accounts do you have? Many credit-scoring models consider the number and type of credit accounts you have. A mix of installment loans and credit cards may improve your score. However, too many finance company accounts or credit cards might hurt your score.

To learn more about credit scoring, see the Federal Trade Commission's website, Facts for Consumers.

Learn the legal steps to take to improve your credit report.

The Federal Trade Commission's “Building a Better Credit Report” has information on correcting errors in your report, tips on dealing with debt and avoiding scams--and more.

Beware of credit-repair scams.

Sometimes doing it yourself is the best way to repair your credit. The Federal Trade Commission's "Credit Repair: How to Help Yourself" explains how you can improve your creditworthiness and lists legitimate resources for low-cost or no-cost help.

5 Important tips to protect your credit card Online

Get copies of your credit report--then make sure information is correct.

Go to www.annualcreditreport.com . This is the only authorized online source for a free credit report. Under federal law, you can get a free report from each of the three national credit reporting companies every twelve months.

You can also call 877-322-8228 or complete the Annual Credit Report Request Form and mail it to Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281.

Pay your bills on time.

One of the most important things you can do to improve your credit score is pay your bills by the due date. You can set up automatic payments from your bank account to help you pay on time, but be sure you have enough money in your account to avoid overdraft fees.

Understand how your credit score is determined.

Your credit score is usually based on the answers to these questions:

• Do you pay your bills on time? The answer to this question is very important. If you have paid bills late, have had an account referred to a collection agency, or have ever declared bankruptcy, this history will show up in your credit report.
• What is your outstanding debt? Many scoring models compare the amount of debt you have and your credit limits. If the amount you owe is close to your credit limit, it is likely to have a negative effect on your score.
• How long is your credit history? A short credit history may have a negative effect on your score, but a short history can be offset by other factors, such as timely payments and low balances.
• Have you applied for new credit recently? If you have applied for too many new accounts recently, that may negatively affect your score. However, if you request a copy of your own credit report, or if creditors are monitoring your account or looking at credit reports to make prescreened credit offers, these inquiries about your credit history are not counted as applications for credit.
• How many and what types of credit accounts do you have? Many credit-scoring models consider the number and type of credit accounts you have. A mix of installment loans and credit cards may improve your score. However, too many finance company accounts or credit cards might hurt your score.

To learn more about credit scoring, see the Federal Trade Commission's website, Facts for Consumers.

Learn the legal steps to take to improve your credit report.

The Federal Trade Commission's “Building a Better Credit Report” has information on correcting errors in your report, tips on dealing with debt and avoiding scams--and more.

Beware of credit-repair scams.

Sometimes doing it yourself is the best way to repair your credit. The Federal Trade Commission's "Credit Repair: How to Help Yourself" explains how you can improve your creditworthiness and lists legitimate resources for low-cost or no-cost help.

Managing Your Credit

To get the most from your credit card, do your homework. Review your income and expenses, estimate how much money you might have available to pay down your credit card debt, and consider cutting back on, or eliminating, optional expenses.

If you've fallen behind, are using cash advances from one credit card to pay off another, or your credit cards are maxed out--that is, at or near your credit limit--there are steps you can take to help yourself.

Talk with your credit card company. Explain your financial situation and ask to work with the company to find the right payment options for you. Companies want to work with you to resolve this problem, so contact them as soon as you think you will have a problem paying your credit card bills.

Consider a credit counseling service. Reputable credit counselors help you look at your budget and determine potential repayment options. They may charge a fee for their services.

Beware of Credit Rescue Scams

Your credit card company and legitimate credit counselors can best help you find the right options for you. Learn how to recognize credit repair scams on the Federal Trade Commission's credit repair website. Report suspicious schemes to your state and local consumer protection agencies, which you can find on the Federal Citizen Information Center's Consumer Action Website.

Your credit card company has to include a number for accessing credit counseling services on your statement under Federal Reserve Board regulations. Before you choose a counselor make sure the service is legitimate. You can visit the Federal Trade Commission's website to learn more about choosing a credit counseling service.

If you had credit problems, you'll want to begin improving your credit score. Read our 5 Tips for Improving Your Credit Score to learn more about what you can do. The Federal Trade Commission's guide to Building a Better Credit Report offers additional resources.

Managing Your Credit

To get the most from your credit card, do your homework. Review your income and expenses, estimate how much money you might have available to pay down your credit card debt, and consider cutting back on, or eliminating, optional expenses.

If you've fallen behind, are using cash advances from one credit card to pay off another, or your credit cards are maxed out--that is, at or near your credit limit--there are steps you can take to help yourself.

Talk with your credit card company. Explain your financial situation and ask to work with the company to find the right payment options for you. Companies want to work with you to resolve this problem, so contact them as soon as you think you will have a problem paying your credit card bills.

Consider a credit counseling service. Reputable credit counselors help you look at your budget and determine potential repayment options. They may charge a fee for their services.

Beware of Credit Rescue Scams

Your credit card company and legitimate credit counselors can best help you find the right options for you. Learn how to recognize credit repair scams on the Federal Trade Commission's credit repair website. Report suspicious schemes to your state and local consumer protection agencies, which you can find on the Federal Citizen Information Center's Consumer Action Website.

Your credit card company has to include a number for accessing credit counseling services on your statement under Federal Reserve Board regulations. Before you choose a counselor make sure the service is legitimate. You can visit the Federal Trade Commission's website to learn more about choosing a credit counseling service.

If you had credit problems, you'll want to begin improving your credit score. Read our 5 Tips for Improving Your Credit Score to learn more about what you can do. The Federal Trade Commission's guide to Building a Better Credit Report offers additional resources.

Get Prepaid Visa Cards and Prepaid MasterCards Guide

The following prepaid debit cards and prepaid credit cards can help you control your spending. A reloadable debit card allows you to only spend up to the amount you have pre-deposited into the account. If you tend to overspend or would like to control your spending then a pre-paid debit card or prepaid credit card could be a good card for you.

Credit Card Deals and Security Guide

Following is a guide a the best credit card deals and specials available by category. Compare the features of each offer and apply for the credit card that benefits your spending habits.

Consumer Credit Card Guide takes several factors into consideration when determining the cards to display as Special Deals:

• Overall benefits - The quality of the credit card and its amenities compared to others in its class
• Quality of the issuers - How highly rated the credit card's issuing bank or company, especially in terms of customer support and membership benefits
• Credit card security - How well regarded is the credit card issuer's policies on fraud prevention, victim reimbursement and overall security
• Approval rate - How often applicants get approved versus declined

Tip: Know your spending habits before you apply for a card. If you tend to make large purchases and pay off the balance over time, a low interest credit card is your best choice. If your purchases are small and you pay the full balance each month, one of our many rewards or cash back credit cards would be a better fit. Compare all the credit cards offers below to determine which is best for you.

Get Prepaid Visa Cards and Prepaid MasterCards Guide

The following prepaid debit cards and prepaid credit cards can help you control your spending. A reloadable debit card allows you to only spend up to the amount you have pre-deposited into the account. If you tend to overspend or would like to control your spending then a pre-paid debit card or prepaid credit card could be a good card for you.

Credit Card Deals and Security Guide

Following is a guide a the best credit card deals and specials available by category. Compare the features of each offer and apply for the credit card that benefits your spending habits.

Consumer Credit Card Guide takes several factors into consideration when determining the cards to display as Special Deals:

• Overall benefits - The quality of the credit card and its amenities compared to others in its class
• Quality of the issuers - How highly rated the credit card's issuing bank or company, especially in terms of customer support and membership benefits
• Credit card security - How well regarded is the credit card issuer's policies on fraud prevention, victim reimbursement and overall security
• Approval rate - How often applicants get approved versus declined

Tip: Know your spending habits before you apply for a card. If you tend to make large purchases and pay off the balance over time, a low interest credit card is your best choice. If your purchases are small and you pay the full balance each month, one of our many rewards or cash back credit cards would be a better fit. Compare all the credit cards offers below to determine which is best for you.

College student credit card Detail And guide

Below is our guide to the best student credit cards online. Compare the features of each offer and apply for the student card that fits you best.

Having good credit is essential to financial success. When one applys for a loan, whether for a car or a house, the applicant's credit score tells the lender how well the applicant handles his/her finances—how trustworthy the applicant is.

Building good credit early is an important head-start for today's college students, and not just for loans: Many potential employers perform credit checks on those they are considering for hire. Unfortunately, many students who are just entering college don't know the importance of, or how to manage, their credit. Falling into credit card debt early can haunt the cardholder well past graduation and throughout their twenties.

Student credit cards are aimed at unemployed college students, therefore these credit cards tend to have low credit limits and relaxed approval standards. But the same rules for building optimum credit apply, and a student that uses his/her card wisely will benefit.

Credit cards for college students are geared towards the typical activities of a college student: some offer discounts at bookstores and theaters, others offer rewards for good behavior (staying under the credit limit, good GPA, etc). Student cards can be a good tool for building credit, but if used improperly they will become a burden.

College student credit card Detail And guide

Below is our guide to the best student credit cards online. Compare the features of each offer and apply for the student card that fits you best.

Having good credit is essential to financial success. When one applys for a loan, whether for a car or a house, the applicant's credit score tells the lender how well the applicant handles his/her finances—how trustworthy the applicant is.

Building good credit early is an important head-start for today's college students, and not just for loans: Many potential employers perform credit checks on those they are considering for hire. Unfortunately, many students who are just entering college don't know the importance of, or how to manage, their credit. Falling into credit card debt early can haunt the cardholder well past graduation and throughout their twenties.

Student credit cards are aimed at unemployed college students, therefore these credit cards tend to have low credit limits and relaxed approval standards. But the same rules for building optimum credit apply, and a student that uses his/her card wisely will benefit.

Credit cards for college students are geared towards the typical activities of a college student: some offer discounts at bookstores and theaters, others offer rewards for good behavior (staying under the credit limit, good GPA, etc). Student cards can be a good tool for building credit, but if used improperly they will become a burden.

Get Frequent flyer and airline credit card Security guide

Below is our guide to the best airline credit cards available online. Compare the features of each offer and apply for the credit card that benefits you best.

With airline miles, the goal is to book a trip or getaway at a discount. Whether it’s an airline-specific card or a generic air-miles card, the reward is the same: free miles to get the cardholder to where he or she wants to go. With such cards, the miles work like points, with each mile adding to how far one can travel.

Like with any rewards card, a travel card honors spending, so if the spender is a responsible credit cardholder, he or she should be able to reap all the travel benefits. But one should remember to try and avoid keeping a balance on the card, as interest rates can cancel out any savings that would have accrued.

There are two types of airline credit cards: airline-specific card, in which one earns miles for use on one airline only, and broad or generic air-miles cards, where earned miles can be used on any airline.

Airline-specific credit cards tend to have higher interest rates, as well as a membership fee, but they also work with other frequent-flier accounts and reward bonus miles from the start. With generic cards, flexibility is key as the airline miles can be used on most any airline, but the catch is that the offer is likely subject to blackout dates and minimum points before use. Of course, when signing up for any credit card, a good deal of research should be done first, especially regarding the various benefits of airline cards.

In addition to the speed at which airline miles can be accrued, cardholders should also look at the other factors: interest rate, APR, grace period, rollover, and any hidden fees. Also, take a look at the card’s partners as many airline cards give bonus points (miles) on purchases made with certain businesses, such as hotels, rental car companies, and gas stations. As you near one free trip, you can already start building towards the next.

Get Frequent flyer and airline credit card Security guide

Below is our guide to the best airline credit cards available online. Compare the features of each offer and apply for the credit card that benefits you best.

With airline miles, the goal is to book a trip or getaway at a discount. Whether it’s an airline-specific card or a generic air-miles card, the reward is the same: free miles to get the cardholder to where he or she wants to go. With such cards, the miles work like points, with each mile adding to how far one can travel.

Like with any rewards card, a travel card honors spending, so if the spender is a responsible credit cardholder, he or she should be able to reap all the travel benefits. But one should remember to try and avoid keeping a balance on the card, as interest rates can cancel out any savings that would have accrued.

There are two types of airline credit cards: airline-specific card, in which one earns miles for use on one airline only, and broad or generic air-miles cards, where earned miles can be used on any airline.

Airline-specific credit cards tend to have higher interest rates, as well as a membership fee, but they also work with other frequent-flier accounts and reward bonus miles from the start. With generic cards, flexibility is key as the airline miles can be used on most any airline, but the catch is that the offer is likely subject to blackout dates and minimum points before use. Of course, when signing up for any credit card, a good deal of research should be done first, especially regarding the various benefits of airline cards.

In addition to the speed at which airline miles can be accrued, cardholders should also look at the other factors: interest rate, APR, grace period, rollover, and any hidden fees. Also, take a look at the card’s partners as many airline cards give bonus points (miles) on purchases made with certain businesses, such as hotels, rental car companies, and gas stations. As you near one free trip, you can already start building towards the next.

Get Free Cash back credit card guide

Although similar in theory, cash back credit cards vary: percentage rates, overall benefits, participating merchants, and more. No two are the same, so selecting the right cash back credit card should be done with care and an honest appraisal of the applicant's financial practices.

Most cash back cards offer 5% cash back on “everyday” purchases made at grocery stores, pharmacies and gas stations. Some offer tiered programs, where the value increases proportional to the amount charged. Sill others are seasonal, which means the benefits change throughout the year. Because they offer better rewards than other credit cards, cash-back cards tend to have higher APRs, so if the cardholder makes a big purchase and spreads the total across many payments, any potential profit will be negated in the accrued interest.

The method of redeeming cash rewards varies by issuer: some issuers automatically process the cash back, while others require the cardholder to initiate the process through a phone call. It's important for the cardholder to know how this step works it’s not uncommon for the cash rewards to "expire" because the cardholder was unaware of how to redeem.

Once processed, the cash can also be delivered in several ways: The cardholder's account is credited, a check is mailed to the cardholder, a gift certificate or card is issued, or by direct deposit, usually only if the cardholder has a bank account with the issuer.

Below is our list of the best cash back credit cards available online. Compare the benefits of each card and apply for the card offer that best fits your needs.

Get Free Cash back credit card guide

Although similar in theory, cash back credit cards vary: percentage rates, overall benefits, participating merchants, and more. No two are the same, so selecting the right cash back credit card should be done with care and an honest appraisal of the applicant's financial practices.

Most cash back cards offer 5% cash back on “everyday” purchases made at grocery stores, pharmacies and gas stations. Some offer tiered programs, where the value increases proportional to the amount charged. Sill others are seasonal, which means the benefits change throughout the year. Because they offer better rewards than other credit cards, cash-back cards tend to have higher APRs, so if the cardholder makes a big purchase and spreads the total across many payments, any potential profit will be negated in the accrued interest.

The method of redeeming cash rewards varies by issuer: some issuers automatically process the cash back, while others require the cardholder to initiate the process through a phone call. It's important for the cardholder to know how this step works it’s not uncommon for the cash rewards to "expire" because the cardholder was unaware of how to redeem.

Once processed, the cash can also be delivered in several ways: The cardholder's account is credited, a check is mailed to the cardholder, a gift certificate or card is issued, or by direct deposit, usually only if the cardholder has a bank account with the issuer.

Below is our list of the best cash back credit cards available online. Compare the benefits of each card and apply for the card offer that best fits your needs.

Get A Secure Balance transfer credit card guide

If done properly and carefully, balance transfer credit cards will help manage credit card debt that is spread across several cards. Each balance transfer credit card is different, so know the balance transfer basics, but there are several benefits. By having fewer accounts, the monthly amount spent on reducing debt can be concentrated, and in some cases increased. Most balance transfer cards offer a 0% APR for balances transferred. This is usually only available when the consumer is approved, so having the other accounts' information available is important. Still more balance transfer credit cards offer an overall lower APR, freeing the user from unfavorable existing long-term rates.

Balance transfer cards are often not for general use just as each consumer's situation varies, the benefits of the cards also change. No card is perfect, creating many balance tranfer pitfalls there's always a trade out between benefits. Often, those cards with longer intro periods lack in other benefits. Another factor to consider is the balance transfer transaction fee. Many cards have this charge, which is typically around 3% of the transferred balance. This is added to the consolidated balance, so it should be considered when transferring large amounts.

Get Free Rewards credit card guide

Today, many credit cards feature some sort of rewards program. Most rewards credit cards use a point system for keeping track of accrued benefits, at a rate of 1-2 points per dollar charged. Other programs take a percentage of the entire dollar amount that the card user spends, and allocates that amount into a reward program bank of sorts. Whether points or cash, most rewards can only be redeemed for discounts, services, or at participating stores--not actual cash. And most rewards benefits expire if not used within a certain timeframe, usually after a year.

Credit cards with rewards programs are only beneficial when the cardholder pays the balance each month. The most generous reward credit cards returns roughly 5% of what the cardholder spends. But if the APR of the credit card is 14%, and if the cardholder rotates a balance for longer than a month, it quickly negates any benefits or gains. To make things more dangerous, rewards credit cards tend to have higher APRs. If not used properly, rewards credit cards could be harmful to one's finances and credit score.

A rewards credit card is right for you if: pay your monthly balance in full, use a particular service often, or are loyal to the retailers who participate in the card's rewards program. Otherwise, a cash back or low interest credit card may be more your style.

Get A Secure Balance transfer credit card guide

If done properly and carefully, balance transfer credit cards will help manage credit card debt that is spread across several cards. Each balance transfer credit card is different, so know the balance transfer basics, but there are several benefits. By having fewer accounts, the monthly amount spent on reducing debt can be concentrated, and in some cases increased. Most balance transfer cards offer a 0% APR for balances transferred. This is usually only available when the consumer is approved, so having the other accounts' information available is important. Still more balance transfer credit cards offer an overall lower APR, freeing the user from unfavorable existing long-term rates.

Balance transfer cards are often not for general use just as each consumer's situation varies, the benefits of the cards also change. No card is perfect, creating many balance tranfer pitfalls there's always a trade out between benefits. Often, those cards with longer intro periods lack in other benefits. Another factor to consider is the balance transfer transaction fee. Many cards have this charge, which is typically around 3% of the transferred balance. This is added to the consolidated balance, so it should be considered when transferring large amounts.

Get Free Rewards credit card guide

Today, many credit cards feature some sort of rewards program. Most rewards credit cards use a point system for keeping track of accrued benefits, at a rate of 1-2 points per dollar charged. Other programs take a percentage of the entire dollar amount that the card user spends, and allocates that amount into a reward program bank of sorts. Whether points or cash, most rewards can only be redeemed for discounts, services, or at participating stores--not actual cash. And most rewards benefits expire if not used within a certain timeframe, usually after a year.

Credit cards with rewards programs are only beneficial when the cardholder pays the balance each month. The most generous reward credit cards returns roughly 5% of what the cardholder spends. But if the APR of the credit card is 14%, and if the cardholder rotates a balance for longer than a month, it quickly negates any benefits or gains. To make things more dangerous, rewards credit cards tend to have higher APRs. If not used properly, rewards credit cards could be harmful to one's finances and credit score.

A rewards credit card is right for you if: pay your monthly balance in full, use a particular service often, or are loyal to the retailers who participate in the card's rewards program. Otherwise, a cash back or low interest credit card may be more your style.

Get 100% Free Credit Card Deals and Specials Security Guide

Following is a guide a the best credit card deals and specials available by category. Compare the features of each offer and apply for the credit card that benefits your spending habits.

Consumer Credit Card Guide takes several factors into consideration when determining the cards to display as Special Deals:

• Overall benefits - The quality of the credit card and its amenities compared to others in its class
• Quality of the issuers - How highly rated the credit card's issuing bank or company, especially in terms of customer support and membership benefits
• Credit card security - How well regarded is the credit card issuer's policies on fraud prevention, victim reimbursement and overall security
• Approval rate - How often applicants get approved versus declined

Tip: Know your spending habits before you apply for a card. If you tend to make large purchases and pay off the balance over time, a low interest credit card is your best choice. If your purchases are small and you pay the full balance each month, one of our many rewards or cash back credit cards would be a better fit. Compare all the credit cards offers below to determine which is best for you.

Low Interest Credit Card Special

Discover® More Card – Black
	0% intro APR on Balance Transfers for 12 full months, then the Regular APR 0% intro APR on Purchases for 9 full months, then the Regular APR 5% Cashback Bonus in categories that change like travel, gas, groceries, restaurants, home improvement stores and more Up to 1% unlimited Cashback Bonus on all other purchases No Annual Fee

INTRO APR	INTRO APR PERIOD	REGULAR APR	ANNUAL FEE	BALANCE TRANSFERS	CREDIT NEEDED
0%*	12 FULL MONTHS ON BALANCE TRANSFERS; 9 FULL MONTHS ON PURCHASES*	11.99% - 20.99% (VARIABLE)*	$0*	YES*	EXCELLENT CREDIT*

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Balance Transfer Credit Card Special

BankAmericard Cash Rewards™ Visa Signature® Card - $50 Statement Credit

Get a $50 statement credit after spending $100 in retail purchases within the first 60 days of the account opening date Earn 3% cash back on gas, grocery, and drug store purchases for the first 6 months and 1% on all other purchases Redeem rewards for a check, statement credit, direct deposit or pay toward your eligible Bank of America® mortgage Get a 25% bonus for all cash reward redemptions of $300 or more Get redemptions starting at $25, with the capability to set up automatic redemption No limits to amount of cash back you can earn each year

INTRO APR	INTRO APR PERIOD	REGULAR APR	ANNUAL FEE	BALANCE TRANSFERS	CREDIT NEEDED
0%* ON PURCHASES AND QUALIFYING BALANCE TRANSFERS	7 OR 10 BILLING CYCLES*	12.99% - 20.99% VARIABLE* ON PURCHASES AND BALANCE TRANSFERS	NONE*	YES*	EXCELLENT CREDIT*

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Instant Approval Credit Card Special

AccountNow® Prepaid Visa® Card
	$25 Cash Bonus when you use direct deposit No Activation Fee No Overdraft Fees 100% Guaranteed Approval*

INTRO APR	INTRO APR PERIOD	REGULAR APR	MONTHLY FEE	BALANCE TRANSFERS	CREDIT NEEDED
N/A*	N/A*	N/A*	$9.95*	N/A*	NO CREDIT CHECK*

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Reward Credit Card Special

BankAmericard Cash Rewards™ Visa Signature® Card - $50 Statement Credit

Get a $50 statement credit after spending $100 in retail purchases within the first 60 days of the account opening date Earn 3% cash back on gas, grocery, and drug store purchases for the first 6 months and 1% on all other purchases Redeem rewards for a check, statement credit, direct deposit or pay toward your eligible Bank of America® mortgage Get a 25% bonus for all cash reward redemptions of $300 or more Get redemptions starting at $25, with the capability to set up automatic redemption No limits to amount of cash back you can earn each year

INTRO APR	INTRO APR PERIOD	REGULAR APR	ANNUAL FEE	BALANCE TRANSFERS	CREDIT NEEDED
0%* ON PURCHASES AND QUALIFYING BALANCE TRANSFERS	7 OR 10 BILLING CYCLES*	12.99% - 20.99% VARIABLE* ON PURCHASES AND BALANCE TRANSFERS	NONE*	YES*	EXCELLENT CREDIT*

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Cash Back Credit Card Special

Chase FreedomSM Visa - $50 Bonus Cash Back
	Earn $50 Bonus Cash Back after first purchase 0% Intro APR and No Annual Fee 5% cash back in quarterly bonus categories like gas, home improvement and department stores, subject to quarterly maximum. Signing up is free and easy Unlimited 1% Cash Back on all other purchases with no spending tiers Up to an additional 10% cash back when you shop online at select merchants through Chase

INTRO APR	INTRO APR PERIOD	REGULAR APR	ANNUAL FEE	BALANCE TRANSFERS	CREDIT NEEDED
0%*	12 MONTHS ON BALANCE TRANSFERS, 6 MONTHS ON PURCHASES*	AS LOW AS 12.99% VARIABLE*	NONE*	YES*	GOOD CREDIT*

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Airline Credit Card Special

Chase Sapphire Preferred Card

Earn a free flight- that's 25,000 bonus points after you spend $3,000 in the first 3 months 2X points earned on all airfare booked through Ultimate Rewards & 1 point for every dollar spent on all other purchases Fly on leading airlines anytime. There are no travel restrictions or blackout dates and points never expire Points are worth 25% more when you redeem for travel through Ultimate Rewards 7% annual points dividend - earn bonus points on your points 1:1 points transfer to leading airline and hotel programs 24/7 Dedicated expert service advisors (No voice recording) No Annual Fee for your first year - An $85 value

INTRO APR	INTRO APR PERIOD	REGULAR APR	ANNUAL FEE	BALANCE TRANSFERS	CREDIT NEEDED
0%*	12 MONTHS ON BALANCE TRANSFERS, 6 MONTHS ON PURCHASES*	AS LOW AS 12.99% VARIABLE*	NONE*	YES*	GOOD CREDIT*

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Business Credit Card Special

Ink CashSM Business Card
	3% cash back on fuel, home improvement, dining and office supply purchases Unlimited 1% cash back on all other purchases No limit to the number of points you can earn Up to 10 points for $1 spent when you shop online through Chase Rewards Plus Free additional cards for employees No Annual Fee

INTRO APR	INTRO APR PERIOD	REGULAR APR	ANNUAL FEE	BALANCE TRANSFERS	CREDIT NEEDED
0%*	6 MONTHS*	11.24% VARIABLE*	NONE*	YES*	EXCELLENT CREDIT*