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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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Reward Credit CardsReward Credit Cards

The following reward credit cards feature either cash back or rewards programs. Rewards Program Credit Cards "reward" you for using them with cash back incentives and rebate programs.

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 MilesSM Rewards

Capital One® No Hassle Miles<sup>SM</sup> Rewards offer
Capital One® No Hassle Miles<sup>SM</sup> Rewards credit card application
  • Earn 25% more than regular mileage cards with 1.25 miles for each dollar spent on purchases
  • Save with a 0% intro APR on purchases until January 2010
  • Get free travel easily with ANY airline, hotel, cruise line or rental car
  • No blackout dates and no seat restrictions
  • No expiration date on miles and no limit on the miles you can earn
  • No annual fee
Intro APR Intro APR Period Regular APR Annual Fee Credit Needed
0%* until January 2010* 9.90% (V)* None* Excellent Credit*

Miles by Discover® Card

Miles by Discover® Card offer
Miles by Discover® Card credit card application
  • Double Miles on grocery store purchases in November and December*
  • Book any travel, anytime with no blackout dates or restrictions
  • Double Miles on up to $3,000 in travel and restaurant purchases each year
  • 1 Mile for every $1 on all your other purchases
  • Unlimited Miles that never expire*
  • Redeem for travel credits to your account, gift cards from any of our 70  brand-name Partners or cash starting at just 1,000 Miles
  • 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 & balance transfers* 10.99% - 18.99%* None* Excellent Credit*

Capital One® No Hassle PointsSM Rewards

Capital One® No Hassle Points<sup>SM</sup> Rewards offer
Capital One® No Hassle Points<sup>SM</sup> Rewards credit card application
  • Click "APPLY HERE" to apply online or call (866) 547-0808
  • Buy what you've been dreaming of and pay no interest until June 2009
  • There is no limit to the points you can earn, and your points won't expire for the life of your account
  • 5 points per dollar spent at gas stations, major grocery and drug stores
  • 1 point for every dollar spent on other purchases
Intro APR Intro APR Period Regular APR Annual Fee Credit Needed
0%* until June 2009* 16.90% (V)* $29.00* Average*

Citi® PremierPass® Card-Elite Level

Citi® PremierPass® Card-Elite Level offer
Citi® PremierPass® Card-Elite Level credit card application
  • 20,000 bonus points after $600 in purchases made within 3 months of account opening - enough for a roundtrip ticket up to $400 in value*
  • Earn 2 points for every dollar spent on everyday purchases and 1 point for all other purchases*
  • Earn 1 point for every mile you fly on any airline*
  • Earn 1 point for every mile friends and family fly on tickets purchased with your card*
  • Get a complimentary companion ticket when you buy a qualifying ticket*
Intro APR Intro APR Period Regular APR Annual Fee Credit Needed
N/A* N/A* as low as 12.24%* $75.00* Excellent Credit*

Blue Sky from American Express

Blue Sky from American Express offer
Blue Sky from American Express credit card application
  • 0% Intro APR for up to 12 months on purchases
  • Low Balance Transfer APR - 2.99% for 12 months
  • Earn 1 point for every dollar you spend
  • Points good on any airline, hotel, car rental and more.
  • No blackout dates or travel restrictions
  • Express Approval.  Get a decision in less than 60 seconds.
Intro APR Intro APR Period Regular APR Annual Fee Credit Needed
0.00%* 12 months* as low as 11.99%* 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 World MasterCard® with WorldPointsTM

Bank of America World MasterCard® with WorldPoints<sup>TM</sup> offer
Bank of America World MasterCard® with WorldPoints<sup>TM</sup> credit card application
  • 0% Intro APR on retail purchases for your first 6 billing cycles*
  • 0% Intro APR on Balance Transfers* and Direct Deposits* through your first 12 billing cycles*
  • Earn 1 Points for every dollar you spend in net retail purchases.  Points are redeemable for cash, brand name merchandise, travel with no blackout dates, dining certificates, and more
  • No Annual Fee
  • Online account access and Points management
  • Access to the MyConcierge sm service, a unique personal assistance service
  • Absolute Fraud Protection
Intro APR Intro APR Period Regular APR Annual Fee Credit Needed
0%* 6 months for retail purchases* Between P+4.9% and P+12.99%* None* Good Credit*

American Express® Preferred Rewards Gold Card

American Express® Preferred Rewards Gold Card offer
American Express® Preferred Rewards Gold Card credit card application
  • Earn 10,000 Membership Rewards® bonus points when you spend $500 in 3 months - redeemable for a $100 gift card! 
  • No Pre-Set Spending Limit
  • No annual fee for the first year - $125 Thereafter
  • 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.
Intro APR Intro APR Period Regular APR Annual Fee Credit Needed
N/A* N/A* N/A* 1st Year None; $125 Thereafter* Excellent/Good Credit*

Delta Airlines - Gold Delta SkyMiles® Credit Card

Delta Airlines - Gold Delta SkyMiles® Credit Card offer
Delta Airlines - Gold Delta SkyMiles® Credit Card credit card application
  • Earn up to 25,000 bonus miles - enough for a total of $250 off Delta flights!
  • One mile for every other eligible dollar spent
  • Pay with Miles: Pay for all or part of your flight with miles - and put the rest on your Card
  • No annual fee for the first year, then $95: $45 if you are a qualified American Express Cardmember
  • Express Approval. Get a decision in less than 60 seconds.
Intro APR Intro APR Period Regular APR Annual Fee Credit Needed
N/A* N/A* 13.99%* 1st Year None; $95 Thereafter* Good Credit*

Bank of America Visa Signature® WorldPointsTM Rewards

Bank of America Visa Signature® WorldPoints<sup>TM</sup> Rewards offer
Bank of America Visa Signature® WorldPoints<sup>TM</sup> Rewards credit card application
  • 0% Intro APR on balance transfers for your first 15 billing cycles
  • Earn 1 Point for every dollar you spend in net retail purchases
  • Points are redeemable for cash, brand name merchandise, travel with no blackout dates, dining certificates and more
  • No Annual Fee
  • Enjoy more savings and more extras - Get discounts at select merchants, valuable upgrades, and savings of up to 50% on accommodations at spectacular places. Visa Signature Privileges make it possible.
Intro APR Intro APR Period Regular APR Annual Fee Credit Needed
0% on Balance Transfers* 15 months and a $25 statement credit* 9.99% / 15.99%* None* Good Credit*

Bank of America® Accelerated RewardsTM American Express® Card

Bank of America® Accelerated Rewards<sup>TM</sup> American Express® Card offer
Bank of America® Accelerated Rewards<sup>TM</sup> American Express® Card credit card application
  • Earn rewards faster with 1.25 points for every net retail purchase dollar
  • 0% Intro APR on retail purchases for 6 months*; 0% Intro APR on balance transfers for your first 12 billing cycles*
  • No Annual Fee and flexibility to pay over time
  • Redeem your points for travel with no blackout dates, discounts at hotels, cash, brand-name merchandise, or gift certificates
  • Access to special Cardmember offers from participating American Express merchants to save on shopping, dining, travel, hotels, and much more.
  • Free 24/7 Concierge Service
  • Access to more than 2,200 American Express Travel Services locations worldwide to help you
Intro APR Intro APR Period Regular APR Annual Fee Credit Needed
0%* 6 months for retail purchases* Between P+4.9% and P+12.99%* None* Good Credit*

Simmons First Visa Platinum

Simmons First Visa Platinum offer
Simmons First Visa Platinum credit card application
  • Low 7.25% fixed standard purchase APR and platinum benefits
  • No balance transfer fee for balances transferred in response to this online offer
  • No annual fee
  • Excellent credit needed
Intro APR Intro APR Period Regular APR Annual Fee Credit Needed
None* N/A* 7.25%* None* Excellent Credit*