Discover More Card 0% Balance Transfer and No Fees

**This offer has expired**

So its been a very long time since you could actually open a credit card, get a 0% balance transfer and pay no fees. Well that time is back, for one card at least. The Discover More Card is currently offing a promo where you can get a 0% balance transfer rate for 12 months with no fees.

Here are the details:

• Apply for the Discover More Card. (Note: on the applicataion page, scroll down to the “Important Information” section. Here you can verify that the rate iz 0% for 12 months and that there are no balance transfer fees)
• Make a balance transfer through this offer by August 10, 2012
• Enjoy a 12 month 0% interest period.

Also, after applying, you will have the benefit of a rewards program that pays 5% cash back in rotating quarterly categories along with 1% cash back on all other purchases. Here is the breakdown on the 5% categories for this year (2012):

• January – March: Gas and Entertainment
• April – June: Restaurants and Movies
• July – September: Gas and Sunmmer Fun
• October – December: Holiday Shopping

The Discover More card comes with no annual fee, so what are you waiting for Apply Now!

Best 2% Cash Back Rewards Card

If you are one of the holdouts still not earning cash back on your credit card purchases, you make want to take a look at the HSBC Platinum Cash Back Card.

In my opinion this is the best cash back card and here is why….

• This card does not have a pre-spending limit before you can reach earn the 2%. For example like the American Express Blue Cash Card, you first need to spend 6500 on the card before you even qualify for the 5% everyday purchases. In the case of most people, in the long run, they will earn more cash back using the HSBC card from day one. Plus Amex is not accepted everywhere, so you have a better chance of acceptance with this card.
• This card pays 2% cash back on everything! No more having to decide what card to use when getting gas, groceries, etc. All purchases made will get you 2% back.
• Unlike the Fidelity 2% cash back card, the HSBC Platinum card does not require a brokerage account to be opened. So one less thing to do here.
• There is no annual fee with this card, so you pay nothing to have the option to earn 2% cash back.
• You can receive a cash back check as soon as your account reaches $25. This limit is a lot lower than other cards that won’t let you access your rewards until the $50 or $75 limit.

I have this card, and it is the only one my wife and I use. We have received over $475 cash back over the two years I have had it. Many people prefer receiving travel rewards, but we have found that there is no substitute to getting a check in the mail. It’s a little something extra that you can use to spend.

The application page for this card had disappeared shortly after I applied for it a few years ago. My thought is that they limit this card to so many people at a time. It is great news that it is now back again. My advice would be to get in on this one right away before they shut it down again. If you currently don’t have a cash back card, or a tiered one you really should take a look at this. For an easy comparison, take the amount of cash back you received on your current card last year, then divide it by the total amount you spend using the card last year. If that number is better than 2%, then you probably won’t need to switch, but I bet in most of your cases, it will be less!

You can find more details and how to aplpy on the HSBC Platinum 2% Cash Back Card Promo page.

Discover More Card No Balance Transfer Fees

The Discover More Card is one of the more popular cash back cards out there due to is 5% cash back revolving categories. What makes this an even more popular card is when Discover decides to drop its balance transfer fee when moving balances from another card to the Discover More Card. I haven’t seen a card that offers a fee free balance transfer in a while!

Well that is exactly what is going on right now. When you Apply for the Discover More Card you can transfer a balance with no fees for up to 12 months at a 0% interest rate.

If you have a larger balance that is going to take a longer time to pay down, you might opt for their other promotion where you can get a 0% transfer rate for up to 24 months. This transfer does however include a fee. The fee is 5% of the amount of each transfer made when you use this link to apply.

And for those of you with no balance to transfer, don’t fret! I have an offer for you too. If you apply using this link you can get a $100 cash back when you make $500 in purchases during your first three months with the card.

No matter which way you apply, you will have the benefit of a rewards program that pays 5% cash back in rotating quarterly categories along with 1% cash back on all other purchases. Here is the breakdown on the 5% categories for this year (2011):

• January – March: Travel and Restaurants
• March: Grocery and Drug Stores
• April – June: Home and Fashion
• July – September: Gas, Hotels, Movies and Theme Parks
• October – December: Restaurants and Fashion

There is no annual fee on the Discover More Card, so what are you waiting for!

Discover More Card 0% Balance Transfer for 18 Months

If you overdid it during the holiday season, now is the time to start knocking off that debt. The Discover More Card has a promotion going on where you can get a 0% rate on balance transfers for 18 months when you sign up for the card.

Note that there is a 4% balance transfer fee on the balance of the transfer. If you are going to balance transfer for the full 18 months, then the 4% fee is pretty negligible.

0% balance transfer offers are becoming more and more scarce these days as the credit card companies try to find other ways to increase their revenue based on the new consumer card act that was passed last year. If you are needing to transfer some debt at a low interest rate, then this deal could be for you.

Other benefits of the card include the following:

• 0.00% introductory APR for 12 months from the date of account opening.
• 5% Cashback Bonus in categories that rotate each quarter
• 5% to 20% Cashback Bonus through our exclusive online shopping mall
• Up to 1% Unlimited Cashback Bonus on other purchases, automatically
• Redeem rewards for cash

For more details on this offer, check out the Discover More Card Promo offer details. Make sure to read the “Interest Rates and Interest Charges” section at the bottom of the application so that you are fully aware of the terms and possible fees with this promotion.

Citi Forward Card Promo – $200 Restaurant.com Gift Certificate

EDIT: This promotion has expired and is no longer available

There is a new Citi Forward promotionwhere you will get a $200 Restaurant.com gift certificate after you make $100 in purchases with the card by September 15th, 2010.

It’s as simple as that, all you have to do is apply for the card and make $100 in purchases by 9/15/2010. You will receive the gift certificate details by mail 6-8 weeks after you have met the minimum purchase requirement. You then can redeem the gift certificate at restaurant.com.

If you have never bought anything from restaurant.com, they offer discounted dining certificates to restaurants all over the country. In most cases you can find one of your favorites there and get a great deal off of the bill using their service.

The Citi Forward card is a rewards card. You will earn 5x ThankYou® Points for every $1 spent at restaurants, on books, movies and music. You also get 1 reward point for every $1 you spend on all other purchases. Even better is that you can earn up to 2,500 when you sign up for Paperless Statements.

The Citi Forward comes with 0% Intro APR on Balance Transfers for 12 months and 0% Intro APR on Purchases for 7 months. After that, the APR will be 12.99%-19.99%. This APR will vary with the market based on the Prime Rate. Both the rate and duration of this offer will be based on your creditworthiness.

There is no annual fee for this card.

See the Citi Forward Promo page for the terms and conditions of the card.

25000 Skymiles from Platinum Delta Skymiles Card

Get 20,000 free Delta Skymiles when apply for the Platinum Delta Skymiles Card from American Express and make your first purchase. 5000 of those miles are counted as Medallion Qualification Miles which help you get closer to elite status on Delta Airlines.

This card also comes with a feature called “Mileage Boosts”. When you make $25,000 in purchases during a calendar year, you will get an additional miles boost of 10,000 Medallion Qualification Miles. You can get another 10,000 Medallion Qualification Miles when you spend reach the $50,000 in purchases mark during that same year. If you spend a lot, this card will get you into elite status on Delta fast!

If you add 2 additional cardmembers to your account you will then receive another 5000 Skymiles bonus to your account. Note that this card has an annual fee of $150. There is no additional card fee.

For more details on this card and how to apply, see the Platinum Delta Skymiles Card Detail Page

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