About Michal Cheney

Michal Cheney is a personal finance blogger who writes for several top personal finance blogs, such as Dough Roller and Go Banking Rates. She enjoys writing about money management, getting out of debt and planning for retirement. Her practical approach encourages folks to get serious about their relationship with their money.
Author Archive | Michal Cheney

New Rotating Categories for the Discover it™ Card

Spring fever is officially upon us which means the DIY’ers are earger to take on their home improvement projects. Luckily, there is a way to save yourself a few bucks. You can earn 5% cash back on your Home Improvement purchases this quarter with the Discover it®. Here are all the details for the offer:

5% Cash Back

From April through June you will get 5% back on your home improvement store purchases. The 5% back is on up to $1,500 in purchases, which totals $75 in bonus cash. Now, that might now sound like much, but that’s free money which makes it worth your while.

Discover Offer

There are a few things to keep in mind. First, in order to be eligible for the 5% cash back offer you MUST register. You can do this by logging into your online account. Remember you have to register each time the categories change in order to get the 5%.

1% Cash Back

Keep in mind you always earn 1% cash back on all your other purchase. That means any purchases that fall outside the 5% categories or purchases that exceed the amount you can earn in the 5% categories will still net you 1% cash back.

Discover it™ Card Offers

If you aren’t a cardmember yet then check out the three offers below. All offers participate in the 5% cash back offer we just reviewed. Pay close attention to the introductory rates because that’s where the cards differ. The last offer highlighted below is the student version of the card. Here they are:

Discover it®14 months* on purchases and balance transfers
This version of the Discover it® card offers an introductory rate of 0% for 14 months* on purchases and balance transfers. After the intro period the regular apr is 10.99% - 22.99%* (Variable), based on your creditworthiness.

For more details or to apply, check out our Discover it® review.



Discover it®18 months* on balance transfers
This version of the Discover it® is a good choice for those that need a longer balance transfer offer because it has an introductory rate of 0% for 18 months* on balance transfers and 6 months* on purchases. The regular APR is 10.99% - 22.99%* (Variable) based on your creditworthiness.

For more details check out our Discover it® Review.


Discover it® for Students
The Discover it® for Students specifically for students who want to build credit and earn cash back for their spending. The card gives 0% for the first 6 months* on purchases. After that, the APR will be 12.99%-18.99%* (Variable) based on your creditworthiness.

You can get more details on the Discover it® for Students by clicking here.

Disclaimer: See the online credit card application for details about terms and conditions. Reasonable efforts are made to maintain accurate information. However all credit card information is presented without warranty. When you click on the “Apply Here” button, you can review the credit card terms and conditions on the issuers website.

Disclaimer: Discover is a paid advertiser of Credit Card Offers IQ.

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Get 0% on Purchases and Balance Transfers with U.S. Bank

The U.S. Bank Visa® Platinum Card is an ideal choice for those looking for a basic credit card with a nice 0% introductory offer. With this card there is no confusing rewards program and there is no annual fee. Let’s take a look at the details.

0% Introductory Offer

The real perk of this offer is the 0% introductory rate that is available to new cardmembers. This perfect if you are making a big purchase or want to make a balance transfer. The card offers an introductory rate of 0% for 15 billing cycles and 15 billing cycles on balance transfers. After the introductory rate, the APR you receive is 13.99%-23.99% (Variable), based on your creditworthiness. Keep in mind there is a balance transfer fee of 5%.

Additional U.S. Bank Visa® Platinum Card Details

As with any good card offer there are perks you get just for being a member. Here are some of the perks this card offers:

  • No annual fee*
  • Free access to monthly credit score
  • Online bill pay for a fast and convenient way to pay bills online with your U.S. Bank Visa® Platinum Card
  • $0 fraud liability* for unauthorized transactions if your card is ever lost or stolen
  • Fraud Protection detects and notifies you of any unusual card activity to help prevent fraud
  • Online account management and account alerts

How to Apply for the U.S. Bank Visa® Platinum Card

Applying for this credit card is quick and easy. We’ve provided a link below that will take you to the official U.S. Bank Visa® Platinum Card website. From this page, you can click on the apply now button to go to the U.S. Bank Visa® Platinum Card secure online application. The application takes just a few minutes to complete, and they will even notify you about the outcome of your application.

Comments { 0 }

Best Credit Cards for NFL Fans

Football fans are in luck! You can support your team all year long with an Extra Points Credit Card that features the logo of your favorite team. Here’s a quick look at what the cards offer:

  • All 32 teams and NFL Shield card available
  • 0% Intro APR on balance transfers and purchases for the first 12 months after account opening, after that a variable APR currently 13.74% to 22.74% depending upon your creditworthiness
  • One-time bonus of 10,000 points after first use on the card, equal to $100 cash back statement credit
  • Earn 2 points for every $1 spent on NFL or team purchases - 1 point for all other purchases
  • No cap on points earned and points never expire
  • Redeem points for merchandise, once-in-a-lifetime experiences, game tickets, or 1% cash back statement credits
  • 20% off every purchase at NFLShop.com - that's $20 off every $100 you spend

Even if your team can’t score on the field, you can still rack up the points in their name when you use your card. There’s a card for each NFL team and we’ve got the links below to get you started.

Arizona Cardinals Extra Points Credit Card
Arizona Cardinals Extra Points Credit Card
Apply Now...
  • 0% Intro APR on balance transfers and purchases for the first 12 months after account opening, after that a variable APR currently 13.74% to 22.74% depending upon your creditworthiness
  • One-time bonus of 10,000 points after first use on the card, equal to $100 cash back statement credit
  • Earn 2 points for every $1 spent on NFL or team purchases - 1 point for all other purchases
  • No cap on points earned and points never expire
  • Redeem points for merchandise, once-in-a-lifetime experiences, game tickets, or 1% cash back statement credits
  • 20% off every purchase at NFLShop.com - that's $20 off every $100 you spend
Purchase
Intro APR
Purchase
Intro APR Period
Balance Transfer
Intro APR
Balance Transfer
Intro APR Period
Regular
APR
Annual
Fee
Balance
Transfer
Credit
Needed
0%12 months0%12 months13.74% - 22.74%* (Variable)$0YesExcellent*

Atlanta Falcons Extra Points Credit Card
Atlanta Falcons Extra Points Credit Card
Apply Now...
  • 0% Intro APR on balance transfers and purchases for the first 12 months after account opening, after that a variable APR currently 13.74% to 22.74% depending upon your creditworthiness
  • One-time bonus of 10,000 points after first use on the card, equal to $100 cash back statement credit
  • Earn 2 points for every $1 spent on NFL or team purchases - 1 point for all other purchases
  • No cap on points earned and points never expire
  • Redeem points for merchandise, once-in-a-lifetime experiences, game tickets, or 1% cash back statement credits
  • 20% off every purchase at NFLShop.com - that's $20 off every $100 you spend
Purchase
Intro APR
Purchase
Intro APR Period
Balance Transfer
Intro APR
Balance Transfer
Intro APR Period
Regular
APR
Annual
Fee
Balance
Transfer
Credit
Needed
0%12 months0%12 months13.74% - 22.74%* (Variable)$0YesExcellent*

Baltimore Ravens Extra Points Credit Card
Baltimore Ravens Extra Points Credit Card
Apply Now...
  • 0% Intro APR on balance transfers and purchases for the first 12 months after account opening, after that a variable APR currently 13.74% to 22.74% depending upon your creditworthiness
  • One-time bonus of 10,000 points after first use on the card, equal to $100 cash back statement credit
  • Earn 2 points for every $1 spent on NFL or team purchases - 1 point for all other purchases
  • No cap on points earned and points never expire
  • Redeem points for merchandise, once-in-a-lifetime experiences, game tickets, or 1% cash back statement credits
  • 20% off every purchase at NFLShop.com - that's $20 off every $100 you spend
Purchase
Intro APR
Purchase
Intro APR Period
Balance Transfer
Intro APR
Balance Transfer
Intro APR Period
Regular
APR
Annual
Fee
Balance
Transfer
Credit
Needed
0%12 months0%12 months13.74% - 22.74%* (Variable)$0YesExcellent*

Buffalo Bills Extra Points Credit Card
Buffalo Bills Extra Points Credit Card
Apply Now...
  • 0% Intro APR on balance transfers and purchases for the first 12 months after account opening, after that a variable APR currently 13.74% to 22.74% depending upon your creditworthiness
  • One-time bonus of 10,000 points after first use on the card, equal to $100 cash back statement credit
  • Earn 2 points for every $1 spent on NFL or team purchases - 1 point for all other purchases
  • No cap on points earned and points never expire
  • Redeem points for merchandise, once-in-a-lifetime experiences, game tickets, or 1% cash back statement credits
  • 20% off every purchase at NFLShop.com - that's $20 off every $100 you spend
Purchase
Intro APR
Purchase
Intro APR Period
Balance Transfer
Intro APR
Balance Transfer
Intro APR Period
Regular
APR
Annual
Fee
Balance
Transfer
Credit
Needed
0%12 months0%12 months13.74% - 22.74%* (Variable)$0YesExcellent*

Carolina Panthers Extra Points Credit Card
Carolina Panthers Extra Points Credit Card
Apply Now...
  • 0% Intro APR on balance transfers and purchases for the first 12 months after account opening, after that a variable APR currently 13.74% to 22.74% depending upon your creditworthiness
  • One-time bonus of 10,000 points after first use on the card, equal to $100 cash back statement credit
  • Earn 2 points for every $1 spent on NFL or team purchases - 1 point for all other purchases
  • No cap on points earned and points never expire
  • Redeem points for merchandise, once-in-a-lifetime experiences, game tickets, or 1% cash back statement credits
  • 20% off every purchase at NFLShop.com - that's $20 off every $100 you spend
Purchase
Intro APR
Purchase
Intro APR Period
Balance Transfer
Intro APR
Balance Transfer
Intro APR Period
Regular
APR
Annual
Fee
Balance
Transfer
Credit
Needed
0%12 months0%12 months13.74% - 22.74%* (Variable)$0YesExcellent*

Chicago Bears Extra Points Credit Card
Chicago Bears Extra Points Credit Card
Apply Now...
  • 0% Intro APR on balance transfers and purchases for the first 12 months after account opening, after that a variable APR currently 13.74% to 22.74% depending upon your creditworthiness
  • One-time bonus of 10,000 points after first use on the card, equal to $100 cash back statement credit
  • Earn 2 points for every $1 spent on NFL or team purchases - 1 point for all other purchases
  • No cap on points earned and points never expire
  • Redeem points for merchandise, once-in-a-lifetime experiences, game tickets, or 1% cash back statement credits
  • 20% off every purchase at NFLShop.com - that's $20 off every $100 you spend
Purchase
Intro APR
Purchase
Intro APR Period
Balance Transfer
Intro APR
Balance Transfer
Intro APR Period
Regular
APR
Annual
Fee
Balance
Transfer
Credit
Needed
0%12 months0%12 months13.74% - 22.74%* (Variable)$0YesExcellent*

Cincinnati Bengals Extra Points Credit Card
Cincinnati Bengals Extra Points Credit Card
Apply Now...
  • 0% Intro APR on balance transfers and purchases for the first 12 months after account opening, after that a variable APR currently 13.74% to 22.74% depending upon your creditworthiness
  • One-time bonus of 10,000 points after first use on the card, equal to $100 cash back statement credit
  • Earn 2 points for every $1 spent on NFL or team purchases - 1 point for all other purchases
  • No cap on points earned and points never expire
  • Redeem points for merchandise, once-in-a-lifetime experiences, game tickets, or 1% cash back statement credits
  • 20% off every purchase at NFLShop.com - that's $20 off every $100 you spend
Purchase
Intro APR
Purchase
Intro APR Period
Balance Transfer
Intro APR
Balance Transfer
Intro APR Period
Regular
APR
Annual
Fee
Balance
Transfer
Credit
Needed
0%12 months0%12 months13.74% - 22.74%* (Variable)$0YesExcellent*

Cleveland Browns Extra Points Credit Card
Cleveland Browns Extra Points Credit Card
Apply Now...
  • 0% Intro APR on balance transfers and purchases for the first 12 months after account opening, after that a variable APR currently 13.74% to 22.74% depending upon your creditworthiness
  • One-time bonus of 10,000 points after first use on the card, equal to $100 cash back statement credit
  • Earn 2 points for every $1 spent on NFL or team purchases - 1 point for all other purchases
  • No cap on points earned and points never expire
  • Redeem points for merchandise, once-in-a-lifetime experiences, game tickets, or 1% cash back statement credits
  • 20% off every purchase at NFLShop.com - that's $20 off every $100 you spend
Purchase
Intro APR
Purchase
Intro APR Period
Balance Transfer
Intro APR
Balance Transfer
Intro APR Period
Regular
APR
Annual
Fee
Balance
Transfer
Credit
Needed
0%12 months0%12 months13.74% - 22.74%* (Variable)$0YesExcellent*

Dallas Cowboys Extra Points Credit Card
Dallas Cowboys Extra Points Credit Card
Apply Now...
  • 0% Intro APR on balance transfers and purchases for the first 12 months after account opening, after that a variable APR currently 13.74% to 22.74% depending upon your creditworthiness
  • One-time bonus of 10,000 points after first use on the card, equal to $100 cash back statement credit
  • Earn 2 points for every $1 spent on NFL or team purchases - 1 point for all other purchases
  • No cap on points earned and points never expire
  • Redeem points for merchandise, once-in-a-lifetime experiences, game tickets, or 1% cash back statement credits
  • 20% off every purchase at NFLShop.com - that's $20 off every $100 you spend
Purchase
Intro APR
Purchase
Intro APR Period
Balance Transfer
Intro APR
Balance Transfer
Intro APR Period
Regular
APR
Annual
Fee
Balance
Transfer
Credit
Needed
0%12 months0%12 months13.74% - 22.74%* (Variable)$0YesExcellent*

Denver Broncos Extra Points Credit Card
Denver Broncos Extra Points Credit Card
Apply Now...
  • 0% Intro APR on balance transfers and purchases for the first 12 months after account opening, after that a variable APR currently 13.74% to 22.74% depending upon your creditworthiness
  • One-time bonus of 10,000 points after first use on the card, equal to $100 cash back statement credit
  • Earn 2 points for every $1 spent on NFL or team purchases - 1 point for all other purchases
  • No cap on points earned and points never expire
  • Redeem points for merchandise, once-in-a-lifetime experiences, game tickets, or 1% cash back statement credits
  • 20% off every purchase at NFLShop.com - that's $20 off every $100 you spend
Purchase
Intro APR
Purchase
Intro APR Period
Balance Transfer
Intro APR
Balance Transfer
Intro APR Period
Regular
APR
Annual
Fee
Balance
Transfer
Credit
Needed
0%12 months0%12 months13.74% - 22.74%* (Variable)$0YesExcellent*

Detroit Lions Extra Points Credit Card
Detroit Lions Extra Points Credit Card
Apply Now...
  • 0% Intro APR on balance transfers and purchases for the first 12 months after account opening, after that a variable APR currently 13.74% to 22.74% depending upon your creditworthiness
  • One-time bonus of 10,000 points after first use on the card, equal to $100 cash back statement credit
  • Earn 2 points for every $1 spent on NFL or team purchases - 1 point for all other purchases
  • No cap on points earned and points never expire
  • Redeem points for merchandise, once-in-a-lifetime experiences, game tickets, or 1% cash back statement credits
  • 20% off every purchase at DetroitLionsStore.com - that's $20 off every $100 you spend
Purchase
Intro APR
Purchase
Intro APR Period
Balance Transfer
Intro APR
Balance Transfer
Intro APR Period
Regular
APR
Annual
Fee
Balance
Transfer
Credit
Needed
0%12 months0%12 months13.74% - 22.74%* (Variable)$0YesExcellent*

Green Bay Packers Extra Points Credit Card
Green Bay Packers Extra Points Credit Card
Apply Now...
  • 0% Intro APR on balance transfers and purchases for the first 12 months after account opening, after that a variable APR currently 13.74% to 22.74% depending upon your creditworthiness
  • One-time bonus of 10,000 points after first use on the card, equal to $100 cash back statement credit
  • Earn 2 points for every $1 spent on NFL or team purchases - 1 point for all other purchases
  • No cap on points earned and points never expire
  • Redeem points for merchandise, once-in-a-lifetime experiences, game tickets, or 1% cash back statement credits
  • 20% off every purchase at NFLShop.com - that's $20 off every $100 you spend
Purchase
Intro APR
Purchase
Intro APR Period
Balance Transfer
Intro APR
Balance Transfer
Intro APR Period
Regular
APR
Annual
Fee
Balance
Transfer
Credit
Needed
0%12 months0%12 months13.74% - 22.74%* (Variable)$0YesExcellent*

Houston Texans Extra Points Credit Card
Houston Texans Extra Points Credit Card
Apply Now...
  • 0% Intro APR on balance transfers and purchases for the first 12 months after account opening, after that a variable APR currently 13.74% to 22.74% depending upon your creditworthiness
  • One-time bonus of 10,000 points after first use on the card, equal to $100 cash back statement credit
  • Earn 2 points for every $1 spent on NFL or team purchases - 1 point for all other purchases
  • No cap on points earned and points never expire
  • Redeem points for merchandise, once-in-a-lifetime experiences, game tickets, or 1% cash back statement credits
  • 20% off every purchase at NFLShop.com - that's $20 off every $100 you spend
Purchase
Intro APR
Purchase
Intro APR Period
Balance Transfer
Intro APR
Balance Transfer
Intro APR Period
Regular
APR
Annual
Fee
Balance
Transfer
Credit
Needed
0%12 months0%12 months13.74% - 22.74%* (Variable)$0YesExcellent*

Jacksonville Jaguars Extra Points Credit Card
Jacksonville Jaguars Extra Points Credit Card
Apply Now...
  • 0% Intro APR on balance transfers and purchases for the first 12 months after account opening, after that a variable APR currently 13.74% to 22.74% depending upon your creditworthiness
  • One-time bonus of 10,000 points after first use on the card, equal to $100 cash back statement credit
  • Earn 2 points for every $1 spent on NFL or team purchases - 1 point for all other purchases
  • No cap on points earned and points never expire
  • Redeem points for merchandise, once-in-a-lifetime experiences, game tickets, or 1% cash back statement credits
  • 20% off every purchase at NFLShop.com - that's $20 off every $100 you spend
Purchase
Intro APR
Purchase
Intro APR Period
Balance Transfer
Intro APR
Balance Transfer
Intro APR Period
Regular
APR
Annual
Fee
Balance
Transfer
Credit
Needed
0%12 months0%12 months13.74% - 22.74%* (Variable)$0YesExcellent*

Kansas City Chiefs Extra Points Credit Card
Kansas City Chiefs Extra Points Credit Card
Apply Now...
  • 0% Intro APR on balance transfers and purchases for the first 12 months after account opening, after that a variable APR currently 13.74% to 22.74% depending upon your creditworthiness
  • One-time bonus of 10,000 points after first use on the card, equal to $100 cash back statement credit
  • Earn 2 points for every $1 spent on NFL or team purchases - 1 point for all other purchases
  • No cap on points earned and points never expire
  • Redeem points for merchandise, once-in-a-lifetime experiences, game tickets, or 1% cash back statement credits
  • 20% off every purchase at NFLShop.com - that's $20 off every $100 you spend
Purchase
Intro APR
Purchase
Intro APR Period
Balance Transfer
Intro APR
Balance Transfer
Intro APR Period
Regular
APR
Annual
Fee
Balance
Transfer
Credit
Needed
0%12 months0%12 months13.74% - 22.74%* (Variable)$0YesExcellent*

Miami Dolphins Extra Points Credit Card
Miami Dolphins Extra Points Credit Card
Apply Now...
  • 0% Intro APR on balance transfers and purchases for the first 12 months after account opening, after that a variable APR currently 13.74% to 22.74% depending upon your creditworthiness
  • One-time bonus of 10,000 points after first use on the card, equal to $100 cash back statement credit
  • Earn 2 points for every $1 spent on NFL or team purchases - 1 point for all other purchases
  • No cap on points earned and points never expire
  • Redeem points for merchandise, once-in-a-lifetime experiences, game tickets, or 1% cash back statement credits
  • 20% off every purchase at NFLShop.com - that's $20 off every $100 you spend
Purchase
Intro APR
Purchase
Intro APR Period
Balance Transfer
Intro APR
Balance Transfer
Intro APR Period
Regular
APR
Annual
Fee
Balance
Transfer
Credit
Needed
0%12 months0%12 months13.74% - 22.74%* (Variable)$0YesExcellent*

Minnesota Vikings Extra Points Credit Card
Minnesota Vikings Extra Points Credit Card
Apply Now...
  • 0% Intro APR on balance transfers and purchases for the first 12 months after account opening, after that a variable APR currently 13.74% to 22.74% depending upon your creditworthiness
  • One-time bonus of 10,000 points after first use on the card, equal to $100 cash back statement credit
  • Earn 2 points for every $1 spent on NFL or team purchases - 1 point for all other purchases
  • No cap on points earned and points never expire
  • Redeem points for merchandise, once-in-a-lifetime experiences, game tickets, or 1% cash back statement credits
  • 20% off every purchase at VikingsLockerRoom.com - that's $20 off every $100 you spend
Purchase
Intro APR
Purchase
Intro APR Period
Balance Transfer
Intro APR
Balance Transfer
Intro APR Period
Regular
APR
Annual
Fee
Balance
Transfer
Credit
Needed
0%12 months0%12 months13.74% - 22.74%* (Variable)$0YesExcellent*

New England Patriots Extra Points Credit Card
New England Patriots Extra Points Credit Card
Apply Now...
  • 0% Intro APR on balance transfers and purchases for the first 12 months after account opening, after that a variable APR currently 13.74% to 22.74% depending upon your creditworthiness
  • One-time bonus of 10,000 points after first use on the card, equal to $100 cash back statement credit
  • Earn 2 points for every $1 spent on NFL or team purchases - 1 point for all other purchases
  • No cap on points earned and points never expire
  • Redeem points for merchandise, once-in-a-lifetime experiences, game tickets, or 1% cash back statement credits
  • 20% off every purchase at NFLShop.com - that's $20 off every $100 you spend
Purchase
Intro APR
Purchase
Intro APR Period
Balance Transfer
Intro APR
Balance Transfer
Intro APR Period
Regular
APR
Annual
Fee
Balance
Transfer
Credit
Needed
0%12 months0%12 months13.74% - 22.74%* (Variable)$0YesExcellent*

New Orleans Saints Extra Points Credit Card
New Orleans Saints Extra Points Credit Card
Apply Now...
  • 0% Intro APR on balance transfers and purchases for the first 12 months after account opening, after that a variable APR currently 13.74% to 22.74% depending upon your creditworthiness
  • One-time bonus of 10,000 points after first use on the card, equal to $100 cash back statement credit
  • Earn 2 points for every $1 spent on NFL or team purchases - 1 point for all other purchases
  • No cap on points earned and points never expire
  • Redeem points for merchandise, once-in-a-lifetime experiences, game tickets, or 1% cash back statement credits
  • 20% off every purchase at NFLShop.com - that's $20 off every $100 you spend
Purchase
Intro APR
Purchase
Intro APR Period
Balance Transfer
Intro APR
Balance Transfer
Intro APR Period
Regular
APR
Annual
Fee
Balance
Transfer
Credit
Needed
0%12 months0%12 months13.74% - 22.74%* (Variable)$0YesExcellent*

NY Giants Extra Points Credit Card
NY Giants Extra Points Credit Card
Apply Now...
  • 0% Intro APR on balance transfers and purchases for the first 12 months after account opening, after that a variable APR currently 13.74% to 22.74% depending upon your creditworthiness
  • One-time bonus of 10,000 points after first use on the card, equal to $100 cash back statement credit
  • Earn 2 points for every $1 spent on NFL or team purchases - 1 point for all other purchases
  • No cap on points earned and points never expire
  • Redeem points for merchandise, once-in-a-lifetime experiences, game tickets, or 1% cash back statement credits
  • 20% off every purchase at NFLShop.com - that's $20 off every $100 you spend
Purchase
Intro APR
Purchase
Intro APR Period
Balance Transfer
Intro APR
Balance Transfer
Intro APR Period
Regular
APR
Annual
Fee
Balance
Transfer
Credit
Needed
0%12 months0%12 months13.74% - 22.74%* (Variable)$0YesExcellent*

Oakland Raiders Extra Points Credit Card
Oakland Raiders Extra Points Credit Card
Apply Now...
  • 0% Intro APR on balance transfers and purchases for the first 12 months after account opening, after that a variable APR currently 13.74% to 22.74% depending upon your creditworthiness
  • One-time bonus of 10,000 points after first use on the card, equal to $100 cash back statement credit
  • Earn 2 points for every $1 spent on NFL or team purchases - 1 point for all other purchases
  • No cap on points earned and points never expire
  • Redeem points for merchandise, once-in-a-lifetime experiences, game tickets, or 1% cash back statement credits
  • 20% off every purchase at NFLShop.com - that's $20 off every $100 you spend
Purchase
Intro APR
Purchase
Intro APR Period
Balance Transfer
Intro APR
Balance Transfer
Intro APR Period
Regular
APR
Annual
Fee
Balance
Transfer
Credit
Needed
0%12 months0%12 months13.74% - 22.74%* (Variable)$0YesExcellent*

Philadelphia Eagles Extra Points Credit Card
Philadelphia Eagles Extra Points Credit Card
Apply Now...
  • 0% Intro APR on balance transfers and purchases for the first 12 months after account opening, after that a variable APR currently 13.74% to 22.74% depending upon your creditworthiness
  • One-time bonus of 10,000 points after first use on the card, equal to $100 cash back statement credit
  • Earn 2 points for every $1 spent on NFL or team purchases - 1 point for all other purchases
  • No cap on points earned and points never expire
  • Redeem points for merchandise, once-in-a-lifetime experiences, game tickets, or 1% cash back statement credits
  • 20% off every purchase at NFLShop.com - that's $20 off every $100 you spend
Purchase
Intro APR
Purchase
Intro APR Period
Balance Transfer
Intro APR
Balance Transfer
Intro APR Period
Regular
APR
Annual
Fee
Balance
Transfer
Credit
Needed
0%12 months0%12 months13.74% - 22.74%* (Variable)$0YesExcellent*

Comments { 0 }

Browns Fans Get $100 Cash Back

Browns fans will be happy to know you can support your team all year long with the Cleveland Browns Extra Points Credit Card. Even when your team can’t score on the field, you can still score points with this card offer. This card has a nice introductory offer, solid rewards program and a great discount on your NFLShop.com purchases. Plus, there is no annual fee.

Here are all the details:

Cleveland Browns Extra Points Credit Card

  • 0% Intro APR on balance transfers and purchases for the first 12 months after account opening, after that a variable APR currently 13.74% to 22.74% depending upon your creditworthiness
  • One-time bonus of 10,000 points after first use on the card, equal to $100 cash back statement credit
  • Earn 2 points for every $1 spent on NFL or team purchases - 1 point for all other purchases
  • No cap on points earned and points never expire
  • Redeem points for merchandise, once-in-a-lifetime experiences, game tickets, or 1% cash back statement credits
  • 20% off every purchase at NFLShop.com - that's $20 off every $100 you spend

Rates and Offers

The card offers a very competitive introductory offer giving a 0% APR for 12 months on both purchases and balance transfers. This is ideal if you are making a large purchase and need more time to pay the charge off or if you want to save yourself some money by transferring a high rate balance to this card. After the introductory period, the APR will be between 13.74% - 22.74%* (Variable) and is based on your creditworthiness. The transfer fee during the first twelve billing cycles is either $10 or 3% of each transfer, whichever is greater.

Earning Rewards

Browns helmetThis is a rewards card which means you can earn cash back for your purchases. The card also gives a one-time bonus of 10,000 points after first use on the card. This is equal to $100 cash back that you receive in the form of statement credit. That’s basically a free $100 bucks. When it comes to earning points you will earn 2 points for every $1 spent on NFL or team purchases – 1 point for all other purchases.

There’s no limit on how many points you can earn and your points never expire. The points you earn can be redeemed for merchandise, lifetime experiences, game tickets, or 1% cash back statement credits. To top it off, you will earn 20% off every purchase at NFLShop.com which equals $20 off every $100 you spend.

How to Apply for the Cleveland Browns Extra Points Credit Card

Applying for this credit card is quick and easy. We’ve provided a link below that will take you to the official Cleveland Browns Extra Points Credit Card website. From this page, you can click on the apply now button to go to the Cleveland Browns Extra Points Credit Card secure online application. The application takes just a few minutes to complete, and they will even notify you about the outcome of your application.

To get started, visit the Cleveland Browns Extra Points Credit Card official website.

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Get $100 Off Your Next Trip

The Barclaycard Arrival World MasterCard - No Annual Fee is a travel rewards card for those with excellent credit. This card is ideal when traveling overseas because there are no foreign transaction fees.

There are two versions of this travel rewards card: The Barclaycard Arrival World MasterCard – No Annual Fee and the Barclaycard Arrival World MasterCard (which has an $89 annual fee). This review will cover the version with No Annual Fee.

Here’s a look at the details:

Barclaycard Arrival World MasterCard - No Annual Fee

  • Start by earning 10,000 bonus miles if you make $1,000 or more in purchases in the first 90 days from account opening. 10,000 bonus miles equates to $100 off your next trip!
  • 0% intro APR on purchases for the first 12 months after account opening. After that, variable APR, currently 14.99% or 18.99% depending upon your creditworthiness.
  • Earn 2X miles on travel and dining purchases
  • Earn 1X miles on all other purchases
  • No mileage caps and 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

Sign-up bonus

Okay, let’s get started with the fun stuff – the sign-up bonus. You earn 10,000 bonus miles if you spend $1,000 or more within the first 90 days of opening your account. That breaks down to spending about $333 each month for 3 months. The 10,000 bonus miles is equal to $100 that can be used towards your next trip.

Earning Rewards

With this no fee version of the card, you get two miles for every dollar spent on travel and dining. Plus, you get one mile for every dollar spent on everything else. You can redeem your miles for travel purchases that are “equal to or greater than $25 made within the last 90 days as a statement credit.” You also have the option to redeem miles for gift cards and merchandise.

0% Introductory Offer

Last, but not least, let’s talk about the 0% offer. This perfect if you are making a big purchase and need more time to pay the charges off. The card offers an introductory rate of 0% for 12 months. After the introductory rate, the APR you receive is 14.99% or 18.99%, based on your creditworthiness.

Additional Barclaycard Arrival World MasterCard - No Annual Fee Details

As with any good card offer there are perks you get just for being a member. Here are some of the perks this card offers:

  • Carry-on Miles: You get an additional 10 percent added to your miles balance with every “pay for travel” redemption. So for example, if you redeem 30,000 miles, you get 3,000 bonus miles.
  • Mobile Travel Organizer (Tripit Pro Subscription): You get a one-year subscription to this service ($49 value). This works in your mobile web browser and helps you keep track of your travel itinerary. You can get details about it right here.
  • World MasterCard: This designation comes with good news and bad news. The good news is that you get excellent benefits and services, such as an airport concierge, tickets to sold-out events, and price protection (for 60 days after a purchase, you’ll get a refund for the difference if you didn’t get the best price for an item you bought). You can get more details about the benefits right here.

How to Apply for the Barclaycard Arrival World MasterCard - No Annual Fee

Applying for this credit card is quick and easy. We’ve provided a link below that will take you to the official Barclaycard Arrival World MasterCard - No Annual Fee website. From this page, you can click on the apply now button to go to the Barclaycard Arrival World MasterCard - No Annual Fee secure online application. The application takes just a few minutes to complete, and they will even notify you about the outcome of your application.

To get started, visit the Barclaycard Arrival World MasterCard - No Annual Fee official website.

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Credit Vs. Debit: Why Credit Card Purchases Are Safer, More Rewarding


These days, most of us carry both a credit card and debit card in our wallets, but odds are we’re doing more swiping with our debit cards than anything else. (For a long time, I know I was.)

But did you know that there are a lot of benefits to using your credit card that you might be missing out on, including improvements to your credit score, cash back rewards and, most importantly, better fraud protection?

In many instances, credit cards offer many more benefits than debit cards, so long as you’re swiping responsibly. Here’s the argument for ditching your debit card (or at least moving it to the back of your wallet) for your credit card…

Improve Your Credit History

Credit scores are based on a lot of different factors, but one of the biggest is credit history. If you show credit card companies that you use credit actively and pay a good portion of your balance back (at least 30%) each month, your credit score will only improve. That set-it-and-forget-it myth to building credit by simply owning a credit card is just that – a myth.

The more active you are with your credit card, the more likely you are to be approved for a loan or another, better credit card in the future. Debit cards, however, do not have any impact on your credit score. Advantage: Credit Cards

Earn Rewards

No matter how many times you swipe your debit card, odds are you’re not getting any rewards in return. Airline miles, cash back, free hotel nights – these are ALL things you can earn when you become a regular credit card user. Think about all the items you purchased using your debit card this month; imagine if you received even 1 or 2% cash back on those purchases?

These points/rewards can add up over time, and some credit cards offer even more cash back on specific categories throughout the year. (Gas, groceries, etc.) So, depending on what you’re purchasing and what kind of credit card you have, you can earn some serious rewards over time. Can you recall any type of reward you earned for using your debit card? Me neither. Advantage: Credit Cards

The TrueEarnings® Card from Costco and American Express is an ideal card for earning cash back on your gas purchases. As a matter of fact, the card gives 3% cash back on gasoline at U.S. stand-alone gas stations. Plus, it’s an American Express® Card and Costco membership card, with no annual fee for Costco members.

Fraud Protection

Let’s get one thing straight: Your bank DOES protect you from fraudulent categories. However, if you’ve ever had to dispute an unauthorized charge tied to your bank account, then you know that the process can be…frustrating. And time consuming.

However, if you’ve ever attempted to use your credit card in a location not generally tied to your home address (say, Las Vegas), then you know that credit card companies will generally contact you upon completion of a transaction to verify that it’s you. You may have even had your card denied from making the transaction, as credit cards are better equipped to stop fraudulent charges in their tracks.

Plus, debit cards are attached to one’s bank account, so if an identity thief gets a hold of this precious information, your entire personal finance folder could be at risk. On the contrary, credit card accounts are isolated, and most credit card companies include 100% fraud protection. (DON’T sign up for a credit card without confirming this first.) Overall, the risks of using a credit card are marginally lower and the chance of protection better versus a debit card. Advantage: Credit Cards

Finance Management

This is the only category in which we’ll give debit cards the nod over credit cards, since you can only spend what you have in your checking account. Credit cards can be dangerous if you’re an overzealous spender, and credit cards with higher limits can get you in the most debt trouble if you’re not responsible. Those risks simply aren’t there if you use your debit card exclusively, especially with overdraft fee protection. Advantage: Debit Cards

If you’re worried that you or your college student isn’t quite ready for the responsibility of a credit card, start with a low limit, low risk credit card to begin. Or, get in the habit of swiping responsibly (with, say, a prepaid debit card) before placing that shiny new credit card in your wallet. It will save you in the long haul.

Overall, the benefits to using your credit card over your debit card can be exponential; just make sure you know how to manage your finances responsibly before jumping into the world of credit. Set budget limits, only spend what you need and remember to pay back your credit card balance in full at the end of each month to avoid interest fees. From there, you can take advantage of all the perks to owning a credit card.

This post is a guest post from Jason Bushey, Vice President of Creditnet.
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How to Choose the Best Credit Card

Credit
There isn’t a week that goes by that my mail box or inbox isn’t flooded with credit card offers. I get 0% balance transfer credit card offers, gas reward card offers, travel reward offers, and hundreds more. With all these offers competing for our business, how do we choose the best credit card?

While sifting through credit card offers doesn’t sound like much fun, the good news is there are specific things you can look for to make this task less daunting. The goal is to find the best credit card offer for you, and that all starts with knowing how to evaluate a card offer. The Federal Reserve has a website that can help you navigate the world of credit, but it won’t help you pick a specific card.

So to get you started, we have identified the most important things you should look for in an offer so you can choose the best credit card!

Why Do You Want a Credit Card?

The very first step is to ask yourself why you want a card in the first place. Some want to build their credit. Perhaps you have no credit, limited credit, or even poor credit. If that’s your primary purpose for getting a card, look at cards for people with poor credit.

In contrast, you may be searching for a specific type of reward card, such as cash back, points or miles. If so, you can narrow your search to cards that offer these benefits. And of course, you may be in search of low interest cards. Whatever your objective, the key is to understand why you want a credit card before you begin your search. Knowing what you want will save you time and improve the chances that you’ll get a card that meets your financial needs.

Credit Card Fees

It’s important to pay attention to credit card fees. Credit cards come with set fees everybody must pay and potential fees depending on how you use the card. Common fees may include an annual fee to have the credit card, a balance transfer fee, fees for late payments, and fees for exceeding the credit limit of your card. You should make sure you understand how much these fees are, and more importantly, how to avoid them. Here are a few things to look for:

  • With an annual fee, make sure it is reasonable for you. Not all credit cards require an annual fee, however, so it is worth shopping around to get the lowest fee or no fee, especially if you pay off your balance each month.
  • Be aware of balance transfer fees when making a balance transfer. First understand how much the credit card company will charge you for the balance transfer – usually it’s between 3% to 5% of the amount you transfers. There are some cards that offer No Fee Balance Transfers, but most cards charge this fee.
  • Some cards even charge a fee for making a payment over the phone, but this fee is avoidable. As an alternative you can make your payment online or mail your, both of which are free!

Introductory Interest Rates

It’s always important to know the interest the card company will charge. The interest rate is set in part based on your credit score. This means that not everybody with the same card will be charged the same rate. That’s another reason to keep your credit score in good shape. But you must pay particular attention to any introductory rates.

Introductory interest rates are typically low interest rates (often 0%) on purchases, balance transfers, or both that last for a set period of time. These introductory rates can last just a few months, or even longer with some of the Best Offers. But the point is that they don’t last forever. And it’s important to make sure you understand two things: when the introductory rate ends and what the regular rate will be thereafter.

Understand the Rewards Programs

Many credit card offers today come with some type of rewards program. Whether you’re looking for points to redeem for travel, cash back rewards, 0% offers, or some other program, it’s important to understand the terms and conditions of the rewards offer. Many programs offer introductory specials that last for a limited time, for example. Some gas reward programs offer as much as 10% cash back on gas purchases, but only for a limited time.

Whatever the terms are, it’s critical to simply take a few minutes to read through the program so you understand the benefits the credit card offers. Also, consider any bonus offers that might be available. Finding a good bonus offer can be a deciding factor when figuring out which card you should go with.

Credit Requirements

Each credit card offer has some sort of credit requirement for the applicant. You should pay attention to this and only apply for cards you think you can be approved. For example, if a card requires you to have excellent credit, but you know your credit is only fair, then don’t apply for that card. Instead, find a card that is designed for people with fair credit.

Apply for cards that are within your credit range so you are more likely to get approved. Here are the credit ranges you typically see: No/Limited History, Poor Credit, Fair Credit, Good Credit, and Excellent Credit.

Credit Card Issuer

These days the credit card issuer might not be as important as it once was. Most places accept just about all types of cards. However, it might be something you want to consider. When you think of credit cards, you probably think of companies like Visa, MasterCard, American Express and Discover. The question is does it matter what type of card you get? In answering that question for yourself, here are a 3 things to keep in mind:

  1. Visa and MasterCard don’t actually issue credit cards. Instead, they serve as an intermediary between the merchant that accepts credit cards and the bank that issued them.
  2. Discover and American Express act as both the bank and intermediary all in one.
  3. Visa and MasterCard are the most widely accepted credit cards available. American Express is more widely accepted than Discover.

Photo Credit: ShaNeal Robertson via Flickr

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Arizona Cardinal Fans Get $100 Cash Back

If you’re an Arizona Cardinals fan then you will be happy to know you can now support your team all year long with the Arizona Cardinals Extra Points Credit Card. This card has a nice introductory offer, solid rewards program and a great discount on your NFLShop.com purchases. Plus, there is no annual fee.

Here are all the details:

Arizona Cardinals Extra Points Credit Card

  • 0% Intro APR on balance transfers and purchases for the first 12 months after account opening, after that a variable APR currently 13.74% to 22.74% depending upon your creditworthiness
  • One-time bonus of 10,000 points after first use on the card, equal to $100 cash back statement credit
  • Earn 2 points for every $1 spent on NFL or team purchases - 1 point for all other purchases
  • No cap on points earned and points never expire
  • Redeem points for merchandise, once-in-a-lifetime experiences, game tickets, or 1% cash back statement credits
  • 20% off every purchase at NFLShop.com - that's $20 off every $100 you spend

Rates and Offers

The card offers a very competitive introductory offer giving a 0% APR for 12 months on both purchases and balance transfers. This is ideal if you are making a large purchase and need more time to pay the charge off or if you want to save yourself some money by transferring a high rate balance to this card. After the introductory period, the APR will be between 13.74% - 22.74%* (Variable) and is based on your creditworthiness. The transfer fee during the first twelve billing cycles is either $10 or 3% of each transfer, whichever is greater.

Earning Rewards

arizon cardinals logoThis is a rewards card which means you can earn cash back for your purchases. The card also gives a one-time bonus of 10,000 points after first use on the card. This is equal to $100 cash back that you receive in the form of statement credit. That’s basically a free $100 bucks. When it comes to earning points you will earn 2 points for every $1 spent on NFL or team purchases – 1 point for all other purchases.

There’s no limit on how many points you can earn and your points never expire. The points you earn can be redeemed for merchandise, lifetime experiences, game tickets, or 1% cash back statement credits. To top it off, you will earn 20% off every purchase at NFLShop.com which equals $20 off every $100 you spend.

How to Apply for the Arizona Cardinals Extra Points Credit Card

Applying for this credit card is quick and easy. We’ve provided a link below that will take you to the official Arizona Cardinals Extra Points Credit Card website. From this page, you can click on the apply now button to go to the Arizona Cardinals Extra Points Credit Card secure online application. The application takes just a few minutes to complete, and they will even notify you about the outcome of your application.

To get started, visit the Arizona Cardinals Extra Points Credit Card official website.

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Credit Cards vs. Charge Cards – There Is A Difference?

Credit Cards
Credit cards and charge cards look and function the same on the surface. However, charge cards actually work much differently than a traditional credit card. Unless your familiar with the different types of cards out there, you aren’t going to be able to tell the difference between the cards just by looking at them.

With all the different credit card lingo out there it gets confusing when it comes to the different kinds of cards. This article will clarify the difference for you and help you decide which type of card is a better fit for you.

Credit Card vs. Charge Card

Credit cards allow you to make a purchase and be billed for it later. There are all different types of cards, cards that give you rewards, cards that build credit, cards that are for students, and more. The balance you have on the card can be carried over from month to month. Most likely you will be paying interest on the balance you carry over and a minimum payment is required each month. The interest rate you are charged is based on your creditworthiness and some cards even offer special low introductory rates for cardmembers.

Discover itCredit cards are issued by banks, retail stores and even some oil companies. A Nilson Report that was published early 2010 reported the total number of credit cards in circulation at the end of 2009 at 576,400,000. Chase, Citi and Bank of America make up the bulk of that huge number. There are credit cards available for those with not so good credit and there are cards available for those with excellent credit. Here are three of my favorite cards on the market today:

Charge cards also allows you to make purchases and be billed for them later. The big difference with a charge card is that you are required to pay the balance off each month in full. Balances cannot be carried over from month-to-month, so there is no interest rate, APR, or minimum payment. The most well known charge cards are those issued by American Express, but there are many others on the market. Among the most popular, especially with small business owners, is the Chase Ink Bold.

Annual fees are in the $100 range form most charge cards, and offerings include points for things like airline miles and concierge service to help with hotel and restaurant reservations. When it comes to being approved for a charge card you have to have good to excellent credit. Here are two popular charge cards on the market today.

Photo Credit: Andres Rueda via Flickr

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Earn 3% Back On Your L.L. Bean Purchases

The L.L.Bean Visa Card is a rewards card especially created for those who shop at LL Bean. The card allows you to earn extra rewards for your LL Bean purchases. The card offers a 0% introductory rate on balances transfers and a competitive regular APR based on your creditworthiness. There is no annual fee and this card is recommended for those with good to excellent credit.

Here are the details of the offer:

L.L.Bean Visa Card

  • No Annual Fee
  • Earn 3% rewards on L.L.Bean purchases
  • Earn 1% rewards on all other purchases
  • Receive $10 L.L.Bean Coupons as you earn them
  • Enjoy free returns and free monogramming at L.L.Bean
  • Please see terms and conditions for complete detail

Rates and Offers

The card offers a 0% introductory APR on balance transfers for 12 months. After the introductory period, the APR will be between 13.99%, 16.99% or 19.99% and is based on your creditworthiness. The balance transfer fee for this offer either $10 or 4% of the amount of each transfer, whichever is greater.

Earning Rewards

The L.L. Bean card has a decent rewards program which allows you to earn 3% back on all L.L. Bean purchases, plus, you earn 1% on everything else. You can then redeem the points you earn for $10 coupons that you can use with your next L.L. Bean purchase.

LL Bean Rewards

If you shop often then you can see how this could add up to a nice savings. Unlike some store credit cards, there is no minimum purchase required to use the $10 coupons meaning that you aren’t required to spend more money to redeem your rewards. You also get free returns and free monogramming with your L.L. Bean Visa.

How to Apply for The L.L.Bean Visa Card

Applying for this credit card is quick and easy. We’ve provided a link below that will take you to the official The L.L.Bean Visa Card website. From this page, you can click on the apply now button to go to The L.L.Bean Visa Card secure online application. The application takes just a few minutes to complete, and they will even notify you about the outcome of your application.

To get started, visit The L.L.Bean Visa Card official website.

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