Credit Cards - Rates, Promotions & Balance Transfer Options     

Rate Based Credit Cards

Zero Percent Credit Cards - Credit cards that offer a zero percent interest rate for balance transfer and purchases. These cards typically offer this option for a limited period of time between six and twelve months in time.

Low Rate Credit Cards - Low interest rate credit cards offer consumers low interest rates that are traditionally under double digits and may be fixed or variable based on the credit card issuer terms.

Fixed Rate Credit Cards - Fixed rate credit cards offer a fixed interest rate for the life of the credit card term. These cards are offered by most credit card issuer’s and are available for consumers with poor, fair, good and excellent credit histories.

Promotional Based

Balance Transfer Credit Cards - Balance transfer credit cards offer the opportunity to open a new card and transfer a balance over for a limited or unlimited period of time, occasionally there are promotional time periods involved with this option.

Retail Store Credit Cards - These cards are offered by most major retail stores and ecommerce companies in conjunction with a major bank or lender. The cards typically offer immediate approval options and initial savings on purchase or service transaction

Reward & Rebate Based Cards

Airline Credit Cards - Airline Credit Cards offer consumers who are loyalty based travelers the opportunity to accumulate credits or points that can be exchanged for seating upgrades or free trips in the future.  

Cash Back Credit Cards - Cards that accumulate a cash back bonus based on the level of spending that is done annually. These cards were made famous by Discover Card and are now offered by most banks and credit card issuers including Visa, MasterCard & American Express

Hotel/Travel Reward Credit Cards - Travel rewards cards allow consumers to earn rewards for traveling or utilizing loyalty based credit card spending. This allows for future redemption of traveling vouchers or discounts for staying in certain hotel chains. .

Point & Reward Credit Cards - Credit cards that offer a method for a card user to accumulate points, perks or rewards which can be redeemed in the future based on the level of spending and total point accumulation. instant reward credit cards can provide cash back or other rewards.

Business Credit Cards

Business Reward Cards - Credit cards that offer rewards based on a level of spending that can be used to purchase items, redeemed for vouchers or sometimes apply towards future purchases. Business owners who have established business names, licenses, credit histories and tax id #’s

Business Line Of Credit - Most major business credit issuers will offer their business card holders the option of a business line of credit that can be utilized for purchases and working business capital.