Personal Cards

	How to Build Credit with a Credit Card Credit cards are fantastic tools to help you build your credit history. In fact, they are usually the main way to build credit so that you can one day get a mortgage or a hefty loan, without needing a cosigner. But you need to choose the right ...

Consumer Cards Discover it® The new Discover it card is out to change the way people think about credit cards. Fair...No annual fee. No overlimit fee. No foreign transaction fee & no pay-by-phone fee. No late fee on your first late payment. And we won't increase your APR for paying late.* Generous...5% Cashback Bonus on up to $1,500 in purchases at Home Improvement Stores now through June with free and easy sign-up. And 1% cash back on all other purchases.* Plus a Cashback Concierge(SM) who guides a free, personalized online tour to help you get the most rewards for how you use your card. Flexible...Choose your own due date and pay up to midnight ET online or by phone. Human...talk to a real person any time with 100% U.S.-based service. 0% Intro APR* on balance transfers for 18 months. Then the variable purchase APR applies, currently 10.99% - 22.99%. 0% Intro APR* on purchases for 6 months. Then the variable purchase APR applies, currently 10.99% - 22.99%. *Click apply for Terms & Conditions. Our Review: A generous cash back and 18-month balance transfer offer makes the Discover It Card the go-to card to keep more money in your pocket. When you consider the rewards, low fees, and good customer service, it’s pretty easy to see why Discover It is one of the most popular cash back credit cards available... Read full review Intro APR for Purchases Intro APR for Balance Transfer Regular APR Annual Fee 0% for 6 months 0% for 18 months 10.99% - 22.99% (V)* $0

Citi Simplicity® Card 0% Intro APR on Balance Transfers and Purchases for 18 months. After that, the variable APR will be 12.99% - 21.99% based on your creditworthiness. There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater. No late fees - EVER No penalty rate - EVER No annual fee - EVER Save time when you call with fast, personal help, 24 hours a day. Our Review: By not charging for late payments, the Citi Simplicity Card gives cardholders some breathing room when it comes to managing their credit. Plus, with an 18-month 0% introductory APR on purchases and balance transfers, this card is a smart pick for people who carry a balance. In exchange for this flexibility, the Citi Simplicity Card does not have a rewards program... Read full review Intro APR for Purchases Intro APR for Balance Transfer Regular APR Annual Fee 0% for 18 months 0% for 18 months 12.99% - 21.99% (Variable) $0

Blue Cash Everyday® Card from American Express Earn 100 Reward Dollars after you make $1,000 in purchases in the first three months of Cardmembership. Earn Cash Back: 3% at US supermarkets, up to $6,000 per year in purchases, 2% at US gas stations & select US dept stores, 1% on other purchases. Terms and limitations apply. Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit. Simple and Straightforward: With the Blue Cash Everyday Card, you can start earning cash back. No rotating reward categories. No enrollment required. No annual fee, 0% intro APR on purchases for 12 months. After that, your APR will be a variable rate, currently 12.99%-21.99% with flexibility to pay over time. Terms and Restrictions Apply. Our Review: If you’re looking for a go-to cash back credit card that rewards you for your most common purchases and doesn’t charge an annual fee, you should check out the Blue Cash Everyday Card from American Express. This card also offers 100 Reward Dollars after you spend at least $1,000 in the first 3 months, along with extra protections and a referral bonus... Read full review Intro APR for Purchases Intro APR for Balance Transfer Regular APR Annual Fee 0% on Purchases for 12 months None 12.99% - 21.99% (Variable) $0

Citi® Dividend Platinum Select® Visa® Card - $100 Cash Back $100 cash back after $500 in purchases within the first 3 months of account opening 0% Intro APR on Balance Transfers and Purchases for 12 months. After that, the APR will be 12.99%-22.99% variable based on your creditworthiness*. Earn 5% cash back from Citi at Home Depot, Home furnishing stores and home and garden stores between 4/1/13 and 6/30/13, with enrollment Enroll at no additional cost each quarter for new categories that earn additional cash back. Full 1% cash back on all other purchases and eligible cash advances. No Annual Fee* Our Review: If you’re looking for a cash back card with a 0% introductory APR and no annual fee, you should consider the Citi Dividend Platinum Select Visa Card. This card also offers rotating cash back bonus categories and a sign-up bonus. But big spenders beware: the annual $300 cash back limit might put a damper on your earnings... Read full review Intro APR for Purchases Intro APR for Balance Transfer Regular APR Annual Fee 0% for 12 months 0% for 12 months 12.99% - 22.99% (Variable) $0

Citi Diamond Preferred® Card Get 0% Intro APR on Balance Transfers and Purchases for 18 months. After that, the APR will be 11.99%-21.99% based upon your creditworthiness.* There is a balance transfer fee of either $5 or 3% of the amount of each transfer. Citi® Price Rewind searches for a lower price. Learn how you can get lower price after you purchase an item. Let our 24/7 concierge service help book your hotel rooms, flights and more. Enjoy special access to presale tickets, preferred seating, VIP packages, and unique entertainment experiences through Citi Private Pass®. $0 liability on unauthorized purchases and Citi® Identity Theft Solutions No annual fee* Our Review: With its 18-month 0% APR on purchases and balance transfers, the Citi Diamond Preferred Card is a great pick for people who carry a balance. While this card does offer a few other benefits, such as a concierge service and price protection, its main attraction is its introductory APR... Read full review Intro APR for Purchases Intro APR for Balance Transfer Regular APR Annual Fee 0% for 18 months 0% for 18 months 11.99% - 21.99% (Variable) $0

Blue Cash Preferred® from American Express Earn 150 Reward Dollars after you make $1,000 in purchases in the first three months of Cardmembership. Earn Cash Back: 6% US supermarkets up to $6,000 per year in purchases, 3% US gas stations & select US dept stores, 1% other purchases. Terms and limitations apply. Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit. Simple and Straightforward: With the Blue Cash Preferred Card, you can start earning cash back. No rotating reward categories. No enrollment required. Terms and Restrictions Apply. Our Review: If you are looking to maximize your annual cash back rewards, the American Express Blue Cash Preferred Card is the way to go. This card has one of the highest cash back bonus rates in the industry. American Express created this card as an upgrade to the Blue Cash Everyday Card. While the Preferred Card has an annual fee, you can make this money back if you take advantage of the card’s generous cash rewards and bonuses... Read full review Intro APR for Purchases Intro APR for Balance Transfer Regular APR Annual Fee 0% on Purchases for 12 months None 12.99% - 21.99% (Variable) $75

Barclaycard Arrival™ World MasterCard® - Earn 2x on All Purchases Earn 40,000 bonus miles if you make $1,000 or more in purchases in the first 90 days from account opening. 40,000 bonus miles equates to $400 off your next trip! 0% introductory APR on purchases for the first 12 months after account opening. After that, variable APR, currently 14.99% or 18.99%, based upon your creditworthiness. Earn 2X miles on all purchases No mileage caps No foreign transaction fees Exclusive Carry-on Miles - earn 10% of your miles back when you redeem for travel Use miles for a statement credit toward any airline purchase to any destination with no seat restrictions and no blackout dates Easily redeem your miles for statement credits toward flights, cruises, car rentals, hotels and more Complimentary subscription to TripIt Pro mobile travel organizer - a $49 annual value! Our Review: If you want to earn 2x miles with all purchases and have the flexibility to redeem miles toward any airline purchase, consider the Barclaycard Arrival World MasterCard. The $89 annual fee card lets you earn miles quickly with no mileage caps. In addition, a 40,000 bonus mile offer makes this card an attractive choice... Read full review Intro APR for Purchases Intro APR for Balance Transfer Regular APR Annual Fee 0% for 12 months N/A 14.99% - 18.99% (Variable) $0 introductory for first year, then $89

Blue Sky from American Express® Welcome Bonus: earn 7,500 points after you spend $1,000 within the first 3 months of Cardmembership - redeemable for a $100 statement credit. Flexible Ways to Earn: earn 1 point for virtually every dollar you spend on eligible purchases. Unlimited Travel Options: Travel with any airline, hotel, cruise, car rental and travel package - with no blackout dates. Flexible Bill Payments: pay your bill all at once or over time. No annual membership fee and 0% intro APR on purchases for the first 12 months, after that, your APR will be a variable rate, currently 17.24%- 22.24%. Terms and Restrictions Apply. Our Review: If you want travel rewards but don't want an annual fee, the American Express Blue Sky card can give you a quality travel rewards program. With this card, 7,500 points get you a $100 travel credit. That's 33% higher than many other travel cards. Bonus points and flexible travel booking sweeten the deal... Read full review Intro APR for Purchases Intro APR for Balance Transfer Regular APR Annual Fee 0% on Purchases for 12 months None 17.24% - 22.24% (Variable) $0

Citi ThankYou® Preferred Rewards Card Earn 15,000 bonus ThankYou Points after $1000 in card purchases within 3 months of account opening – enough for $150 in gift cards or other great rewards! 0% intro APR on Balance Transfers and Purchases for 12 months. After that, the variable APR will be 12.99%-22.99% based upon your creditworthiness* Earn 1 ThankYou Point for every $1 you spend on all purchases No expiration and no limit on the points you can earn Redeem ThankYou Points for merchandise, travel rewards, gift cards, cash and more Earn extra points when you shop through the ThankYou® Bonus Center, a network of 600+ retailers you know and love Travel with ease and enjoy global acceptance with Chip Technology No annual fee* Our Review: If you want a rewards card with bonus points, but don't want to worry about purchase categories, the Citi ThankYou Preferred Card might be a good fit for you. With a 15,000 bonus point offer and an anniversary bonus, this card helps you earn rewards without an annual fee... Read full review Intro APR for Purchases Intro APR for Balance Transfer Regular APR Annual Fee 0% for 12 months 0% for 12 months 12.99% - 22.99% (Variable) $0

Citi® Hilton HHonors Visa Signature® Card Earn 40,000 Hilton HHonors Bonus Points after spending $1,000 within 4 months of account opening* Earn 6 HHonors Bonus Points for each $1 spent at a participating hotel within the Hilton HHonors portfolio.* Earn 3 HHonors Bonus Points for each $1 spent on purchases at supermarkets, drugstores and gas stations.* Earn 2 HHonors Bonus Points for each $1 spent on all other purchases.* No annual fee.* Our Review: The Citi Hilton HHonors Visa is an excellent rewards card for travelers who enjoy staying at Hilton hotels. This card earns free nights at Hilton hotels around the world and gives you HHonors Status with the Hilton chain... Read full review Intro APR for Purchases Intro APR for Balance Transfer Regular APR Annual Fee N/A N/A 14.24% - 16.24% (Variable) None

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Articles on Personal

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