Are you a sports fan looking to make your loyalty known? Interested in grabbing exclusive team merchandise? A fan-focused credit card might be right for you. Major sports leagues have begun offering cards tailored to their fans, some with special, exclusive rewards.  Here’s your guide on where to find your favorite sports team’s credit card.

National Football League

Barclays and the National Football League just announced that they’ve reached an agreement to market exclusive NFL branded credit cards. The cards will be issued in September. Until then, fans interested in becoming card carriers can look forward to earning points for every dollar spent, which are redeemable for tickets, and merchandise unavailable anywhere else.

Before the recent agreement between Barclay and the NFL, fans were able to show their support and earn rewards through the Bank of America Extra Points program.  Card carriers earned points for every dollar spent, and could redeem them for jerseys, t-shirts, tickets, all-access passes, gift cards, and publications. If you’re a current carrier of an NFL Extra Points card, act fast to redeem any points you have remaining; they’re only good until August 31.

Major League Baseball

MLB offers the Extra Bases Card. Card carriers can receive a card bearing either the MLB logo, or the logo of their favorite team. The extra bases card offers plenty of enticing rewards. Card-carrying fans can earn

• Unique Experiences – Such as invites to special events with team members, ceremonial stadium tours, or the chance to throw a first pitch
• Merchandise – Including gift certificates, personalized team bats, jerseys, caps, and more
• Tickets to regular or spring season games
• Autographed Items
• Publications – Like programs and magazines; and cash and travel
• Cash
• Travel Rewards

The MLB Extra Bases Card is currently issued through Bank of America

National Hockey League

The NHL offers cards bearing the league’s logo along with any one of its 30 teams. You’ll earn points on every dollar spent in retail purchases. They’re redeemable for standard rewards: cash back, travel (no blackout dates), car rental, hotel accommodations, merchandise, or gift certificates. And, the card comes along with exclusive Ultimate Access™ rewards which allows you to redeem points for unique fan experiences, access to players, marquee events, exclusive designer items, sports memorabilia, and exclusive collectibles.

The NHL Ultimate Access™ Credit Card is issued by Bank of America

NASCAR

If you’re interested in supporting your favorite driver then the NASCAR RacePoints Platinum Plus Visa is just for you.  The card bears the NASCAR logo and stylized number of your choice of racer.  Every dollar you spend will earn points that can be redeemed for exclusive NASCAR memorabilia, merchandise, once-in-a-lifetime experiences, tickets, and more.

NASCAR has gained a large amount of popularity in the last five years and of all the credit cards on this list, this one is in the most wallets of Americans.  The NASCAR RacePoints Platinum Plus Visa is issued by Bank of America.

For a fan interested in unique memorabilia or team experiences, these cards are worth looking into but never forget how to spend with a credit card responsibly. The best way to use a rewards program is to buy with the card to earn the points, and pay the balance down as soon as possible. Remember, rewards programs can often come with a higher interest rate and, you earn points based on purchases, not interest paid. Use the card and pay down the balance, then you’ll walk away with rewards without spending an extra penny.

With folks looking to save as much money as possible, we put together this list of credit cards that pay up to 3% cash back on select purchases:

Chase Freedom

• Earn a 1% rebate for each $1 of net purchases
• additional 1% rebate for each $1 of eligible airfare net purchases
• Earn 3% cash back between different categories of gas, home improvement, and department stores
• 0% APR on purchases for 6 months
• 0% APR on balance transfers for 12 months

The Chase Freedom card offers cash back on purchases such as gas, groceries and fast food. If you are an online shopper this card is part of the Chase Rewards Plus program that offers up to 10% cash back when shopping online. With this card there are no annual fees and the card offers a 0% Intro APR.

True Earnings Card from Costco and Amex

• pays 3% cash back on up to $3,000 in gasoline purchases (1% thereafter)
• earn 3% cash back at restaurants
• 2% cash back for travel
• 1% cash rewards everywhere else, including Costco

The True Earnings Card from Costco and American Express is a cash back rewards card that can earn you cash wherever you shop, not just Costco. The TrueEarnings card also offers a $25 statement credit after your first purchase is made with the card. There is no annual fee if you have a paid Costco Membership. The card also offers a 0% introductory rate on purchases for six months.

Discover More Card

Although the Discover More card pays up to 5% cash back, we thought we’d include it as well:

• 5% Cashback Bonus® in categories like travel, home, gas, restaurants, movies and more
• 5% to 20% Cashback Bonus at top retailers through the online shopping site
• Up to 1% Cashback Bonus on all other purchases automatically

The Discover More credit card offers cash back in categories like travel, home, gas, restaurants, movies. The card also offers a 0% Intro APR for the first 6 months on purchases as well as 0% for 12 months on Balance Transfers. As a bonus, the card allows you to increase, even double, your rewards when you redeem for gift cards from the 100 Cashback Bonus Partners. The card has no annual fee.

Ric Romero, a consumer specialist and reporter for ABC7 Eyewitness News, recently published an interesting article about credit cards and spending style. The idea is to pick a credit card that best suits your spending habits. Ric’s story broke spending style into three categories: (1) frequently flyers, (2) Shoppers, and (3) those that carry balances from month to month. following that approach, here are some of the top card offers to consider for each spending style.

Travel Hound

Ric’s recommendations:

Citi Forward: The Citi Forward is one of our favorites. You can earn up to 8,500 bonus points, plus points each month for purchases. Citi has also implemented a unique approach to interest rates. Use the card responsibly, and Citi will lower your interest rate.

Bank of America Alaska Airlines Visa: You can earn up to 25,000 bonus miles after qualifying transactions. Of course, if you don’t fly Alaska Airlines frequently, you won’t benefit from many of the card’s features.

Some more suggestions:

American Express Starwood Preferred Card: This is our top rated travel card. Not only can you earn up to 25,000 bonus Starpoints, but these points can be used for travel on just about any airline as well as free stays at Starwood hotels.

Discover Miles: The Discover Miles card offers up to 12,000 bonus miles plus triple miles for on up to $3,000 in travel and restaurant purchases each year. There is no annual fee and the miles never expire.

Shopaholic

Ric’s recommendations:

Bank of America Cash Rewards Visa: An excellent cash back choice, the BofA Cash Rewards Visa pays up to 3% cash back on purchases and gives you a 25% bonus on cash redemption of $300 or more.

Chase Freedom(SM): Earn up to 3% cashback on select categories of purchases that rotate throughout the year, plus 1% on all other purchases. The Chase Freedom(SM) card also comes with 0% APR introductory offers on both purchases and balance transfers.

Some more suggestions:

Discover More: This is the card I use almost everyday. With up to 5% cash back, 0% APR on purchases and balance transfers, and a first-class website, the Discover More card is hard to beat.

American Express Blue Cash: Blue Cash is one of the best cash back cards available, particularly if you are a big spender. It is a tiered card with top cash back payouts kicking in after $6,500 is put on the card each year.

Those with Balances

Ric’s Recommendations:

U.S. Bank Visa Platinum: The U.S. Bank Visa Platinum offers 0% APR on balance transfers for 12 months with a 3% balance transfer fee.

Wells Fargo Secured Visa: This one is an odd choice to include with other balance transfer cards. It’s a secured visa, meaning you have to deposit funds equal to your credit limit. If you are looking for a 0% APR card, this is not the right choice.

Some more suggestions:

Citi Platinum Select: With 0% APR for 12 months on both balance transfers and purchases, this is one of our top picks for low interest cards.

Slate(SM) from Chase: With terms similar to the Citi Platinum, Chase Slate offers 0% intro on purchases and balance transfers for up to 12 months.

We can all use some extra cash from time to time. And with some credit card offers, you can earn a $100 bonus in the form of cash, a statement credit, or gift cards. We’ve put together a list of those $100 offers all in one place for easy comparison.

Chase Freedom® Visa – $100 Bonus Cash Back
	Earn $100 Bonus Cash Back after you make $799 in purchases in your first three months 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 20% cash back when you shop online at select merchants through Chase
Intro APR Intro APR Period Regular APR Annual Fee Balance Transfer Credit Needed N/A N/A 12.99%-22.99% Variable* None No Good

American Express(R) Gold Card
	Earn 10,000 Membership Rewards(R) bonus points when you spend $500 in your first 3 months of Card membership – redeemable for select gift cards valued at $100! The Membership Rewards program – Turn your everyday purchases into Membership Rewards points, and then redeem them for an amazing collection of travel, shopping, dining and entertainment rewards. Gold Card Events – exclusive access to tickets for select concerts, shows, major sporting events, and more in cities nationwide. Express Approval. Get a decision in 60 seconds.
Intro APR Intro APR Period Regular APR Annual Fee Balance Transfer Credit Needed N/A N/A N/A $125 annual fee No Excellent

Chase Sapphire(SM)
	Earn $100 in rewards – that’s 10,000 bonus points after your first purchase! Redeem points for travel, gift cards, merchandise, cash back and more 2X points earned on airfare booked through Ultimate Rewards & 1 point for every dollar spent on all other purchases Points never expire and there are no limits on how many points you can earn 24/7 Dedicated service advisors (No voice recording) Premier travel and purchase protection benefits All of this for no annual fee!
Intro APR Intro APR Period Regular APR Annual Fee Balance Transfer Credit Needed N/A N/A 12.24% Variable* None No Excellent

The Chase Sapphire(SM)

• 10,000 Bonus Points after first purchase
• 2X on all airfare booked through Ultimate Rewards
• No earning caps, point expiration, or blackout dates
• Earn up to 10x for every dollar when shopping at select merchants through Ultimate Rewards Mall
• 1 point for every dollar on all other purchases
• No Annual Fee

The Chase Sapphire(SM): As a one time bonus, the card gives you 10,000 points after your first purchase. The bonus points can be redeemed for $100 cash. In addition to the bonus, the card offers 1 point for every dollar in purchases. You can even redeem in $1 increments, so long as you redeem more than $25 worth of points. There are no earning caps, or points expiration dates, and there is no annual fee for this card.

Starwood Preferred Guest® Credit Card from American Express

• Earn up to 25,000 Starpoints (R) – enough for up to 6 free nights at a category 1 or 2 hotel
• Use Starpoints(R) for free nights and upgrades at participating Starwood hotels and resorts in 95 countries including Sheraton, W Hotels, Westin and more with no blackout dates
• No annual fee for the first year and $45 thereafter
• Transfer Starpoints(R) – almost always on a 1:1 basis – to the frequent flyer programs of over 30 major airlines
• Earn one Starpoint(R) for every dollar you spend and double Starpoints(R) at participating Starwood properties and retail partners

The Starwood Preferred Guest® Credit Card from American Express is offering 10,000 Starwood points for signing up and making any purchase. That’s enough for a $100 Gift Card to Amazon.com, Gap, Nordstrom, Banana Republic, and more. The 10,000 points are also good for up to 3 free nights at Starwood hotels like Four Points Sheraton. You have the options to redeem your points for air miles if you choose and you can get 1.25 frequent flier miles per point, 25% more than other airline-specific cards. This card is great for people who like to travel and make the most of their existing frequent flier miles, and can be very useful for getting miles for many different airlines like Delta, American, and more. If you spend $15,000 within the first six months, you get another 15,000 bonus Starpoints on top of the 15,000 Starpoints earned per dollar spent. The $45 annual fee is waived the first year.

American Express Premier Rewards Gold Card

• Earn 10,000 Membership Rewards® bonus points when you spend $500 in 3 months – redeemable for a $100 gift card
• The Membership Rewards® program – Earn 1 Membership Rewards® point for virtually every dollar you spend and redeem for your choice of travel, shopping, and entertainment rewards
• Gold Card Events – exclusive access to tickets for select concerts, shows, major sporting events, and more in cities nationwide
• Express Approval. Get a decision in less than 60 seconds.

The American Express Premier Rewards Gold Card offers 15,000 Membership Rewards bonus points when you spend $1,000 in your first 3 months of Card membership. The points can be converted to 15,000 frequent flier miles in a number of programs or you can redeem your points for $150 in gift cards at stores like Home Depot, Crate & Barrel, or Macy’s. You can also earn another 15,000 Membership Rewards bonus points when you spend $30,000 per calendar year. The $175 annual fee is waived the first year.

Which credit card is best when making a large purchase? We believe the answer depends in part on what you are buying. For example, if it’s an expensive vacation, an airline or travel rewards card might be best because you can earn more rewards. If it’s a home renovation, a cash back card might be the best option. You also might want to consider a 0% APR card to avoid fiance charges or a card with a low interest rate. Of course, a low or no interest rate card only matters if you intend to pay off the balance over time. With that being said, here are 5 cards that might be beneficial to consider when you make a large purchase.

Credit Cards for Large Purchases

	Cash Back	Travel Rewards	0% Intro Rate	Low Interest Rate
Discover More	X		X	X
Amex Starwood		X
Chase Freedom(SM)	X		X	X
Chase Slate			X	X
Citi Select			X	X

Here are details on each card:

Discover® More Card – $75 Cashback Bonus
	0% intro APR on balance transfers for a full 12 months, then the Regular APR 0% intro APR on purchases for a full 6 months, then the Regular APR Get $75 Cashback Bonus when you make $500 in purchases within 3 months 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 Transfer Credit Needed 0%* 12 months* 11.99% – 20.99% (Variable)* None Yes Excellent

Starwood Preferred Guest(R) Credit Card from American Express
	Earn up to 25,000 Starpoints (R) – enough for up to 6 free nights at a category 1 or 2 hotel. Use Starpoints(R) for free nights and upgrades at participating Starwood hotels and resorts in 95 countries including Sheraton, W Hotels, Westin and more with no blackout dates No annual fee for the first year and $45 thereafter Transfer Starpoints(R) – almost always on a 1:1 basis – to the frequent flyer programs of over 30 major airlines Earn one Starpoint(R) for every dollar you spend and double Starpoints(R) at participating Starwood properties and retail partners Express Approval. Get a decision in less than 60 seconds. Smarter Travel Editor's Choice Award for Best Travel Awards Card for Domestic Use.
Intro APR Intro APR Period Regular APR Annual Fee Balance Transfer Credit Needed See Terms* See Terms* 15.24% variable See Terms* Yes Excellent

Chase Freedom® Visa – $100 Bonus Cash Back
	Earn $100 Bonus Cash Back after you make $799 in purchases in your first three months 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 20% cash back when you shop online at select merchants through Chase
Intro APR Intro APR Period Regular APR Annual Fee Balance Transfer Credit Needed N/A N/A 12.99%-22.99% Variable* None No Excellent

Slate(SM) from Chase
	0% Intro APR for up to 12 months. No Annual Fee. New Innovative Card Design. Blueprint(SM) – free and customizable features Help you avoid unnecessary interest Pay your balances down faster
Intro APR Intro APR Period Regular APR Annual Fee Balance Transfer Credit Needed 0% 12 or 6 Months* 13.24%-22.24% Variable* None Yes Good

Citi® Platinum Select® MasterCard®
	0% Intro APR on balance transfers for 18 months and 0% Intro APR on purchases for 12 months. After that, the APR will be 11.99%-19.99% based upon your creditworthiness. This APR will vary with the market based on the Prime Rate* Extra Cash from Citi: enjoy discounts on gift cards,travel, merchandise and more Citi® Identity Theft Solutions Secure, free online account management No annual fee
Intro APR Intro APR Period Regular APR Annual Fee Balance Transfer Credit Needed 0% 18 months on Balance Transfers* 11.99% – 19.99%* (Variable) None Yes Good

Review of the American Express Blue Credit Cards–Blue, Blue Cash, and Blue Sky

While perhaps best known for its charge cards, American Express also as an award winning line of credit cards called American Express Blue. There are three cards offered: Blue, Blue Cash, and Blue Sky. Each card is designed with different rewards, depending on what you want from your credit card. Will review each, with links to the official americanexpress.com website that has more information on each card and an online application. To begin, here is a quick comparison of the cards:

Blue from American Express®

Blue from American Express is a points card that offers 0% APR for 6 months with no annual fee. Cardholders earn points virtually every time they use the card, and 2X points when the card is used to shop online at the American Express Bonus Points Mall®. And Amex awards 3X points when you shop with select online retailers like Apple, Barnes & Noble at the Bonus Points Mail®. Once earned, points can be used to buy merchandise or to pay for travel with no blackout dates.

American Express Blue Sky

Blue Sky is a travel rewards credit card especially designed for frequent flyers. The card awards 1 point for virtually every $1 spent. The key benefit of this card, however, is in its redemption rewards. Blue Sky points are worth 33% more than many other points programs. With Blue Sky, it takes just 7,500 points to earn a $100 statement credit for any travel purchase. As with the Blue card, Blue Sky offers 0% APR for 6 months and has no annual fee.

American Express Blue Cash

Amex Blue Cash is one of the few 5% cash back cards. Here’s how it works. For each 12 billing cycle period, purchases up to a total of $6,500 earn 1.0% if they are for groceries, drug stores, or gas, and 0.5% on everything else. Once you’ve spent a total of $6,500 on the card, the cash back rewards jump to 5% for groceries, drug stores, and gas, and 1.25% on everything else. the card also offers 0% APR for 6 months with no annual fee.

There are a variety of credit cards offers that give rebates on gasoline purchases. Some cards can only be used at specific gas stations and other cards can be used at any station. Below is a list of credit cards that offer special rebates when used at Gas stations. Always be sure to check the terms and conditions for each card as rates and fees may change.

Cards with Gas Rebates at Any Station

• American Express TrueEarnings Card from Costco: You earn 3% for the first $3,000 in annual gasoline purchases (1% thereafter), 3% for restaurants, 2% for travel, and 1% everywhere else, including Costco. There is a 0% intro APR for 6 months, then Prime Rate plus 11.99%. The applicant must be a current member of Costco in good standing. If your Costco membership has expired you need to renew it prior to taking advantage of this offer.
• Discover More Card: You earn 5% Cashback Bonus® in categories like gas, home, travel, restaurants, movies and more. You earn 5% to 20% Cashback Bonus at top retailers through our exclusive online shopping site and up to 1% Cashback Bonus on all other purchases automatically. The card offers a 0% Intro APR for 6 months on Purchases, and 12 months on Balance Transfers. After the intro period the variable APR is between 8.74% and 15.74% plus the prime rate.
• Chase Freedom(SM)Card : You earn 3% Bonus Cash Back Offers in Categories Like Gas, Home Improvement and Department Stores. Earn 1% Cash Back on Every Purchase with no Spending Tiers or Caps on how much you can earn. You can also take advantage of a 0% intro on balance transfers for up to 12 months.
• Discover® Student Card: You earn 5% Cashback Bonus in categories that change like travel, gas, groceries, restaurants and more. Earn 5% to 20% Cashback Bonus through ShopDiscover and up to 1% unlimited Cashback Bonus on all other purchases automatically. The card offers a 0% Intro on purchases until the last day of the billing period ending during June 2010. The standard variable APR is 11.74% plus the prime rate.

Cards Designed for Gas Rebates at Specific Stations

• Chevron Texaco Visa Card: You earn 10¢ per gallon in fuel credits on fuel purchases made at Chevron and Texaco, 3% in fuel credits on non-fuel purchases at Chevron and Texaco and 1% in fuel credits on all other non-fuel purchases everywhere Visa cards are accepted. A maximum of $300 in total Fuel Credits may be accrued and redeemed in any calendar year. The variable APR is based on your credit history and is between 7.99% plus the prime rate (but no lower than 13.49%) and 14.99% plus the prime rate (but no lower than 20.49%).
• ExxonMobil MasterCard: You can earn 15 cents per gallon rebates on gasoline purchases at more than 11,000 Exxon and Mobil stations nationwide. Each year, earn up to 2% rebates on your first $10,000 spent on other eligible purchases, and 1% on other eligible purchases over $10,000. Take advantage of 0% APR on all purchases you make with your ExxonMobil MasterCard for 6 months. The variable APR is based on your credit history and is between 7.99% and 11.99% plus the prime rate.
• Shell MasterCard: You earn 5% rebates on Shell gasoline purchases. Plus earn 1% rebates on all other purchases made everywhere else. The variable APR is 7.99% plus the prime rate. For the first 12 months there is no annual fee, thereafter $20 per year but it will be waived if you have 9 or more transactions.

With Christmas right around the corner, it’s the perfect time to review some of the best credit card offers for the holidays. Whether you spend a little or a lot this holiday season, you can save a ton of money by using the right credit card for purchasing gifts. Use the wrong card, and you’ll end up missing out on some potential savings.

The best holiday cards fall into one of three categories: cash back, 0% APR, or travel rewards. Depending on what your financial goals are, picking the right card is really pretty easy. We’ll start with the Credit Card Offers IQ editor’s pick for the best holiday card, and then we will review several other top picks in each category.

Holiday Credit Card Editor’s Pick

The editor’s pick is an easy choice–the Chase Freedom(SM) card. The Chase Freedom(SM) card gets our editor’s pick because it combines several features that make for a great credit card for the holidays (or anytime for that matter). First, it offers 1% cash back on all purchases, and up to 3% cash back on select categories of purchases. Second, the Freedom card offers a 0% intro on balance transfers for up to 12 months. If you’d like more information about this card or to apply only, visit the Chase Freedom website by clicking here.

Holiday Cards with Cash Back

Discover More Card

In addition, the card offers 0% APR on purchases and balance transfers for 6 months. If you’d like more information about the card or to apply online, visit the Discover More website by clicking here.

TrueEarnings Costco Card by American Express

the card also offers a $25 statement credit after the first purchase. And there is no annual fee with a paid Costco membership. For more information or to apply online, visit the American Express TrueEarnings page by clicking here.

Holiday Cards with 0% APR

Slate Card by Chase

Holiday Cards for Travel Rewards

Chase Sapphire Card

As a young adult building strong credit and financial history is one of the most important things you can do. The financial decisions you make today can affect every aspect of your life in either a positive way or a negative way. With financial independence comes a whole new set of freedoms and possibilities. This article lists four credit cards that are geared towards establishing credit for young adults.

Zync(SM) from American Express

Zync(SM) from American Express is a rewards credit card that offers a full range of customizable card benefits. Membership Rewards®, which can be redeemed for travel, shopping and entertainment rewards, are earned with every eligible purchase. Cardholders can also choose which Lifestyle Pack offers them the benefits they use most. Zync(SM) from American Express has a low annual fee of just $25 for the Basic Card. And because the balance is paid in full each month, cardholders pay no monthly interest fees.

With Zync(SM) from American Express, you can choose the Lifestyle Packs that fit you. Choose as many Packs as you want, or choose none at all. The Go Pack allows you to earn 2X Membership Rewards® points on airfare. Other benefits include discounts of up to 25% at Avis and Budget, and discounts of up to 20% at Hertz. You will also receive a $50 credit on any American Express Vacations package when you book before December 31, 2010.

The Social Pack allows you to earn 2X Membership Rewards® points on restaurant and events purchases. You can even get special access to event tickets before they go on sale to the public.

With the Connect Pack, you can earn 2X Membership Rewards® points on mobile and cable services, including cell phone, cable and internet. You will use 25% fewer points when you get mobile devices at membershiprewards.com.

The Eco Pack gives cardholders 2X Membership Rewards® points on purchases from select green merchants. You will use 25% fewer points on eco-friendly merchandise and carbon offsets purchased at membershiprewards.com/eco. Plus, for every Eco Pack membership, American Express will purchase $1 worth of carbon offsets from TerraPass, which funds reductions in carbon emissions at dairy farms and landfills across the U.S.

Facecard prepaid Card for College Students

Facecard offers a prepaid card specifically designed for college students. The card offers super low fees, and doesn’t require parental consent under the new credit card law because it is a prepaid card. Here are the details:

• A safe alternative to credit card debt.
• Ability to use anywhere MasterCard debit cards are accepted, including ATMs.
• Instant and convenient access to funds and allowances.
• Have funds deposited directly onto your card-easier access to your paycheck.
• Safe and easy way to have funds when studying and travelling abroad.
• Receive Prewards, which are like coupons, put directly on your card.

U.S. Bank Young Adult Visa® Card Application

U.S. Bank Young Adult Visa

The APR you receive is a variable rate between 11.99% to 20.99% variable and is based on your credit worthiness. The variable rate is determined by adding a margin to the Prime Rate and may vary monthly. The Prime Rate used to determine your APR is the highest Prime Rate published in the “Money Rates” section of the Midwest Edition of The Wall Street Journal in the last 90 days before the date on which the billing cycle closed (in other words, the “statement date”). The margin used is as follows: Purchases and Balance Transfers is 7.99% to 16.99%, Cash Advances is 15.99% to 16.99% and the Delinquency Rate is 23.99%.

More Popular Credit Card Offers
More Details	More Details	More Details	More Details

Walmart offers two credit cards – The Walmart® Discover® Credit Card and the Walmart Credit Card. Both cards offer the following benefits:

• $60 or $100 cash advance when you make a purchase
• Save 3 cents per gallon at participating Wal-Mart gas station
• No annual fee
• $0 fraud liability

The Walmart® Discover® Credit Card is a cash back rewards card that can be used anywhere Discover is accepted. With this credit card offer you can earn up to 1% cash back on all purchases. Both cards offer no interest on purchases for $250 or more if paid off in 12 months if approved.

Important Rates
There is not an introductory APR for this card and the standard rate is variable which means it can change as the U.S. Prime Rate changes. The standard purchase APR is currently 9.87%, 15.87%, 18.87%, or 19.87%. The APR applicable to your account is stated in the account opening documents you received. All APRs will vary with the market based on the Prime Rate (as defined in your credit card agreement). The delinquency APR is currently 24.99%.

No finance charges will be assessed on this promotional purchase if you pay the following in full within 12 months: 1) the promotional purchase amount, and 2) any related optional credit insurance/debt cancellation charges. If you do not, finance charges will be assessed on the promotional balance from the date of the purchase at an APR of 24.99% (or the APR that applies to non-promotional balances on your account, if lower). Regular credit terms apply to non-promotional purchases and after promotion ends to promotional purchases.

Rewards
The rewards apply only to net card purchases and not to balance transfers, cash advances, quick cash advances or fees and finance charges. The reward percentages will depend on your total spending during a calendar year and will be .25% on total purchases up to $1,500, .50% on total purchases from $1,500.01 to $3,000 and 1% on total purchases over $3,000. A rebate check will be issued each time you accrue $10 in rewards. All cash rewards are provided by GE Money Bank. See “How to Earn Cash Rewards” terms in your Credit Card Agreement for details.

Get up to $100 cash back when you make a purchase with your Wal-Mart Discover® or get $60 cash back when you make a purchase with your Wal-Mart Credit Card at Wal-Mart owned registers in Wal-Mart stores. Limit of one per day. This cash advance will appear on your monthly billing statement like a purchase. Subject to credit approval.

More Popular Credit Card Offers
More Details	More Details	More Details	More Details

If you are interested in applying for the Walmart® Discover® Credit Card or the Walmart Credit Card visit the Walmart website.

*We do our best to accurately reflect the terms and conditions of credit card offers on this site. But please recognize that these terms and conditions can and do change from time to time. When you apply for a credit card offer, please make sure to read the terms and conditions on the credit card issuer’s website, as they may have changed since the information was last updated on this site.