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credit card questions & answers

What do I need to get a student credit card?
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Why Was My Card Overcharged for My Bar Tab? Will it Get Refunded?
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Are student credit cards that much different than regular credit cards?
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Holiday Roundup
This year, university blogs have been busy with great ideas for gifts and even better advice for shopping. Here is a round-up of our favorites.
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Using gift cards to buy gas and groceries
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Why We Get in Debt, Part 7: Know Yourself and Your Limitations
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Cash Back Credit CardsCash Back Credit Cards

The following cash back credit cards feature reward programs that offer cash back or rebate incentives. A Cash Back Credit Card rewards you for using them with cash back incentives and rebate programs. Credit cards with cash rebates and incentives usually require a good to excellent credit rating for approval.

Capital One® No Hassle CashSM Rewards Card

Capital One® No Hassle Cash<sup>SM</sup> Rewards Card offer
Capital One® No Hassle Cash<sup>SM</sup> Rewards Card credit card application
  • Click "APPLY HERE" to apply online or call (866) 547-0808
  • Get 2% cash back on purchases at gas stations and major grocery stores and 1% cash back on all other purchases
  • Theres no limit to the cash back you can earn, and your cash rewards wont expire
  • Save with a 0% intro APR on purchases until January 2010
  • You can ask for your cash back whenever you want or set up automatic redemptions so you won't have to ask
  • No annual fee
Intro APR Intro APR Period Regular APR Annual Fee Credit Needed
0%* until January 2010* 13.90% (V)* None* Good Credit*

Capital One® No Hassle CashSM Rewards

Capital One® No Hassle Cash<sup>SM</sup> Rewards offer
Capital One® No Hassle Cash<sup>SM</sup> Rewards credit card application
  • Click "APPLY HERE" to apply online or call (866) 547-0808
  • Get a 25% annual bonus on the cash you earn during the year
  • 1% cash back on every purchase
  • Buy what you've been dreaming of and pay no interest until June 2009
  • There's no limit to the cash back you can earn, and your cash rewards won't expire
  • Redeem cash whenever you want
Intro APR Intro APR Period Regular APR Annual Fee Credit Needed
0%* until June 2009* 16.90% (V)* $29.00* Average*

Citi CashReturnsSM MasterCard®

Citi CashReturns<sup>SM</sup> MasterCard®  offer
Citi CashReturns<sup>SM</sup> MasterCard®  credit card application
  • Earn up to 6% Cash Back on purchases; a full 1% cash back on every purchase PLUS an average 5% additional cash back at 400 leading retailers within the Citi Bonus Cash Center
  • Earn a 20% bonus on the cash back earned on all purchases for the first 12 months
  • Checks will be sent automatically every time you earn $50 - no calling necessary
  • 0% APR* on balance transfers for up to 12 months
  • No annual fee
Intro APR Intro APR Period Regular APR Annual Fee Credit Needed
0% on Balance Transfers* up to 12 months* as low as 8.99%* None* Excellent Credit*

Discover® More Card

Discover® More Card offer
Discover® More Card credit card application
  • 5% to 20% Cashback Bonus at top online retailers*
  • Up to 1% unlimited Cashback Bonus on all other purchases automatically
  • Increase, even double, your rewards when you redeem for gift cards from our 100 Cashback Bonus Partners
  • No Annual Fee
  • Online Account Access
  • Online Bill Payment
Intro APR Intro APR Period Regular APR Annual Fee Credit Needed
0%* 6 months on Purchases & 12 months on Balance Transfers* as low as 10.99%* None* Excellent Credit*

Bank of America® Accelerated Cash RewardsTM American Express® Card

Bank of America® Accelerated Cash Rewards<SUP>TM</SUP> American Express® Card offer
Bank of America® Accelerated Cash Rewards<SUP>TM</SUP> American Express® Card credit card application
  • Earn 1.25% cash back. Every purchase. Every time.* Get your cash back your way - in a check, statement credit or direct deposit into your checking or savings account
  • No annual fee with the flexibility to pay in full or over time
  • No cap on dollar redemption - no limit to how much you can earn
  • Introductory 0%* APR for Balance Transfers* and Direct Deposits through your first 15 billing cycles. (These transactions are subject to a 3% transaction fee, no less than $10. Intro APR will end if late or overlimit. Payments are applied to lower rate balances first.)
Intro APR Intro APR Period Regular APR Annual Fee Credit Needed
0.00%* 15 months for Balance Transfers* as low as 9.99%* None* Good Credit*

Discover® More Card - American Flag

Discover® More Card - American Flag offer
Discover® More Card - American Flag credit card application
  • 5% to 20% Cashback Bonus at top online retailers*
  • Up to 1% unlimited Cashback Bonus on all other purchases automatically
  • Increase, even double, your rewards when you redeem for gift cards from our 100 Cashback Bonus Partners
  • No Annual Fee
  • Online Account Access
  • Online Bill Payment
Intro APR Intro APR Period Regular APR Annual Fee Credit Needed
0%* 6 months on Purchases & 12 months on Balance Transfers* as low as 10.99%* None* Excellent Credit*

True Earnings® Card from Costco and American Express

True Earnings® Card from Costco and American Express offer
True Earnings® Card from Costco and American Express credit card application
  • Earn cash back on gas and a $25 statement credit with your first purchase made with the Card!
  • Earn cash back virtually everywhere you go - 3% for gasoline, 3% for restaurants, 2% for travel, 1% everywhere else, including Costco
  • No Annual Fee with your paid Costco Membership
  • The TrueEarnings Card serves as both your American Express Credit Card and your Costco Membership Card
  • No Limit on the Cash Back earned*
Intro APR Intro APR Period Regular APR Annual Fee Credit Needed
0.00%* 3 months* 13.99%* None* Good Credit*

Discover® Open Road Card

Discover® Open Road Card offer
Discover® Open Road Card credit card application
  • Double Cashback Bonus on grocery store purchases in November and December*
  • 5% to 20% Cashback Bonus at top online retailers*
  • Up to 1% unlimited Cashback Bonus on all other purchases
  • Increase, even double, the value of your rewards when you redeem for gift cards from our 100 Cashback Bonus Partners
  • No Annual Fee
  • Online Account Access
  • Online Bill Payment
Intro APR Intro APR Period Regular APR Annual Fee Credit Needed
0%* 6 months for Purchases & 12 months for Balance Transfers* 10.99% - 18.99%* None* Excellent Credit*