Category Archives: Home Mortgage
The Lowdown on Discover Miles Card
If you are looking for a Discover credit card, then you would be spoilt for choice. With the many variations of Discover credit cards, each with its own reward program, you will need to get the lowdown of each in order to make the right choice.
The Miles Card from Discover is a travel rewards card that awards cardholders with one Mile for every dollar charged to the Discover Miles card. In fact, you will be awarded 5000 Bonus Miles instantly upon the first purchase made with your Discover Miles card.
These Miles can then be redeemed for free flight tickets on any major U.S. airline, gift certificates, cash returns or even branded merchandise. Additionally, redemption for vacation cruise packages as well as certificates for dining privileges, hotels and car rental services is also part of their paraphernalia of rewards.
The downside to this is that only a maximum of 60,000 Miles can be earned for each card account within a year. However, just like other travel reward cards, miles accumulated will not expire as long as the account is kept active for three years running.
Whats more, customers can now view their total collected Miles in their monthly billing statements or for faster updates, through their online account. The only drawback about the Discover Miles Card is that airline miles are non-transferable even between Discover Card holders. However, anyone who is listed in the account as a fellow card member are eligible to redeem miles collected as long as the airline miles are only deducted from that account.
Finally, airline tickets must be booked at least three weeks (21 days) in advance and customers can fly at any time of the year as there are no blackout dates. Furthermore, if the customer has 10,000 Miles at hand, they can always ask for a reduced price on their ticket. In the event that a customer wishes to close an account, they are given the option to exchange the remaining Miles they have for cash, as long as there is at least 5000 Miles in the account. There is no time to waste; it is time to discover the world with your own Discover Miles Card.
Gas Rewards Credit Cards: A Look at the Top Three
Gas prices are skyrocketing all across the United States, which means that consumers are constantly on the lookout for ways to counteract the unprecedented assault to their bank accounts. At over $3.00 per gallon for the lowest octane fuel, people who commute to work or drive for a living are suffering under the weight of gas prices.
One of the most effective ways to reap a few rewards on gasoline purchases is to purchase a gas rewards credit card. More and more people are applying for these cards so that they can earn cash back and discounts for every gallon of gas they purchase.
There are four major advantages to obtaining a gas rewards credit card:
You can earn rewards for other purchases not just gasoline when you use the card to buy gas, you know that youll be saving money in the end. Many gas rebate cards have low APRs with no annual fee. Some gas rebate cards charge 0% interest on balance transfers.
Take a look at three top picks for gas cards, and choose the one thats right for you. With no end to the gas price surges in sight, you might as well be getting rewarded for purchasing gasoline.
Discover Platinum Gas Card
The Discover Platinum Gas card is a cash back credit card that allows customers to earn 1% cash back on all regular purchases, and 5% cash back on gasoline purchases. It has a twelve-month introductory APR of 0% for both purchases and balance transfers, with no annual fee. In addition to the 5% cash back reward system, customers can double their reward points when they redeem them for gift certificates at Discovers partner merchants. Discover offers several benefits, including fraud protection, 24-hour customer service and online bill pay. .
Citi Dividend Platinum Select
Unlike the Discover gas card, the Citi Dividend credit card offers 5% cash back for purchases at drugstores and supermarkets as well as gas stations. When you use your card at those locations called the Citi Dividend Merchant Network – you receive 5% cash back on all of your purchases. You also receive 1% cash back at other locations.
This card has no annual fee and an introductory APR of 0%, but the regular APR is higher than Discover. This card is better used by customers who plan to pay off most (if not all) of their balance each month. Platinum customers also receive travel insurance, Citis Lost Wallet Protection Service and Citis PhotoCard service for added security.
Blue Cash from American Express
The Blue cards from American Express have been exploding across the market lately, mostly because of the reward programs and the low APRs. The Blue Cash card, like the Citi Dividend card, offers fast cash back at multiple vendors, such as drug stores, gas stations, super markets and home improvement stores. They also offer the same cash back rewards for customers with two or more cards on the same account.
The six-month introductory APR of 0% is a popular incentive. The Blue Cash card has no minimum spending limit and no annual fee. They also offer no-fee balance transfers and CoolBlueOffers®, which are designed to offer even more rewards for qualified customers.
Gas prices are getting higher and higher every day, which is why consumers are rushing to apply for gas rewards credit cards, which allow customers to earn cash back and rewards for paying at the pump. When you use these three cards to purchase gasoline, you can earn cash back and reward points.