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Credit

The Best Prepaid Debit Cards, May 2012

by Flexo

Prepaid debit cards have always been a controversial topic, particularly the cards that carry insanely high fees just for making everyday purchases. Suze Orman’s entry into the prepaid card business, the Approved Card, prompted heated debate about whether it represented a conflict of interest, given Orman’s following. In 2010, after the Kardashians announced their branded ... Continue reading this article…

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Discover® More Card: No Balance Transfer Fee, 0% APR

by Flexo

When you take a look at our list of the best 0 percent balance transfer credit cards, you’ll notice that all offers are featuring balance transfer fees these days. Whether it’s 3 percent, 4 percent or 5 percent, every time a consumer takes advantage of a 0 percent balance transfer offer, the credit card issuers still make money by charging ... Continue reading this article…

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Credit Card Rewards Hurt Your Bottom Line

by Flexo
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I’ve been a proponent of cash-back rewards credit cards for a while. My theory, or perhaps my excuse, is that if I plan on spending money and can do so with either cash or a credit card that offers rewards, I might as well use the rewards credit card to damage my bottom line less ... Continue reading this article…

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PenFed VISA Platinum Cash Rewards Card 5% Cash Back on Gas

by Flexo

As the offers on cash back credit card continue to increase, consumers who use credits cards should make sure theirs is one that allows them to save the most amount of money possible. Whether it’s a great APR, a long introductory period or a top notch credit card rewards program, weigh the benefits and drawbacks ... Continue reading this article…

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PenFed Promise VISA Card Review

by Flexo

Whenever you make a purchase with your credit card, the wise move is always to pay off the purchase before the bill is due to avoid interest charges and late fees. If you know that won’t be possible in the short-term, the best thing you could do is keep your interest payments low by choosing ... Continue reading this article…

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Big Savings for Small Businesses and Shops on Swipe Fees

by Flexo

Last week, the Federal Reserve Board announced two proposals for limiting the fees paid to transaction processing companies. MasterCard and Visa would be the most affected if either of these new proposals, set into motion by the Dodd-Frank Wall Street Reform Act, are put into effect. Small businesses and shops that accept debit cards stand ... Continue reading this article…

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Citi® Platinum Select® Card 24 Month 0% Balance Transfer

by Flexo

Last month I wrote about Citibank’s increased 0 percent balance transfer opportunity provided by the company’s Citi® Platinum Select® Card. That article is now out-of-date because Citi has once again increased the balance transfer offer by three months, bringing the total amount of time consumers will have to pay their balance transfer in full without interest ... Continue reading this article…

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When Doing the Right Thing Hurts (Your Credit)

by Flexo

It’s been many years since I’ve paid interest on a credit card balance. I don’t think I’ve missed a payment, either, thanks to automatically scheduled transfers from my checking accounts. I know that many regular Consumerism Commentary readers are like me, as well, and rarely pay a fee that’s unnecessary. (Keep in mind I recently ... Continue reading this article…

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The Plum Card® from American Express OPEN 1.5% Cash Back

by Flexo

Small businesses often rely on credit to survive through the early stages. Unless you’re independently wealthy with money ready to invest, getting a small business off the ground requires a lot of hard work. The money is often provided by banks willing to back your business. Without collateral for a loan, many start-up entrepreneurs are ... Continue reading this article…

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Citi ThankYou℠ Premier Card $200 Gift Card Bonus

by Flexo

If you are able to use a credit card for making your everyday purchases without spending more than you would with cash, a cash back credit card can be a way to give yourself an effective discount. It’s worth looking into the new Citi ThankYou℠ Premier Card, which rewards cardholders with thousands of ThankYou® points, ... Continue reading this article…

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Citi Limited Time Holiday Student $50 Cash Back Offer

by Flexo

Students in need of a credit card for holiday spending or spring semester expenses can look at Citibank’s new limited-time offer. From now until January 15, 2011, Citi is offering a $50 cash bonus for their three major student credit cards, mtvU, Forward and Dividend. These three student credit cards all provide the opportunity to ... Continue reading this article…

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Sony Card From Capital One $50 Gift Card

by Flexo

The holiday season is one of the best times to hold a rewards credit card and it’s quickly approaching (again). The Sony Card from Capital One is a good example of this. Each year around the holidays, Sony bumps up their credit card offer and this year they’ve done it again. Today, The Sony Card ... Continue reading this article…

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Get Your Free Credit Score With IDENTITY GUARD®

by Flexo

If you’re looking to obtain a copy of your credit report, your first choice should be to visit the website AnnualCreditReport.com. As I mentioned this morning, every American is entitled to three free credit reports, and this is the only website that allows you to view these credit reports for free. Once you’ve exhausted your ... Continue reading this article…

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Discover Open Road Card Review

by Flexo

You don’t hear people complaining about gasoline prices as much as they used to. At least, I don’t write about it as much as I did in 2006 (or even in 2000, before Consumerism Commentary). I still remember being able to fill up my first Honda Civic for $12. When a few short years later, ... Continue reading this article…

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Chase United Mileage Plus® Signature® Visa Card Review

by Flexo

The offer you are interested in has expired. Read our review of the United MileagePlus Explorer Card.

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Blue Cash from American Express Review

by Flexo

You may have noticed the high ranking for the Blue Cash® from American Express on our best cash back credit cards page. I own the business version of this credit card and use it for all of my business purchases and some bills. In terms of rewards, this card is one of the best around ... Continue reading this article…

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Kim Kardashian Prepaid Debit Card: Worst Product of the Year?

by Flexo

Update: The Kardashian Kard has been taken off the market due to Connecticut Attorney General Richard Blumenthal’s concern over the prepaid debit card’s over-sized fees. If you’re the type of person to be outraged by credit cards companies marketing to kids, you probably are not a fan of the Kardashian Debit Card (or “Kard”). This ... Continue reading this article…

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Blue Sky℠ Preferred from American Express $200 Cash Back Bonus

by Flexo

You’ve seen cash back offers from Chase, Citibank and Discover; here’s one from American Express. The Blue Sky℠ Preferred from American Express is offering all new cardholders a 15,000 point bonus for signing up and making $1,000 in purchases within the first 90 days. Those points can be traded in for a $200 statement credit ... Continue reading this article…

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Citi® Platinum Select® MasterCard 21-Month 0% Balance Transfer

by Flexo

The offer you are interested in has expired. Read our review of other Citi cards.

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Chase United Mileage Plus® Select® Visa Card Review

by Flexo

Owning an airline miles credit card can come in very handy if you’re a frequent flier, especially if you have a favorite airline. Thankfully, all of the major airlines have partnered with a credit card issuer to offer special deals on their airlines. Citibank is partnered with American, American Express with Delta and JetBlue, and ... Continue reading this article…

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