Arrive Financial » Excellent Credit Credit Cards

Discover® More Card – $150 Cashback Bonus

Arrive Financial Staff — Tue, 01 Nov 2011 00:37:55 +0000

– Editor’s Pick: Best Sign On Bonus – The Discover® More® Card $150 Cashback Bonus offers a 0% APR on balance transfers and purchases for 6 full months plus a $150 cash bonus when you spend $1,000 in the first 90 days.

$150 Cashback Bonus when you spend $1,000 in the first 90 days*
0% intro APR on purchases and balance transfers for 6 months, then the variable standard purchase APR of 10.99% – 20.99%*
5% Cashback Bonus® in categories that change like travel, gas, groceries, restaurants, home improvement stores and more. Limitations apply*
Up to 20% Cashback Bonus at popular retailers when you shop online through Discover.com
Discover is ranked #1 in customer loyalty–15 years in a row! (2011 Brand Keys Customer Loyalty Engagement Index report)
24/7 access to a U.S.-based Account Manager within 60 seconds
Great rewards with no annual fee, no rewards redemption fee, and no additional card fee
*Click apply to view rates, fees, rewards, limitations and other important information

*View Discover® Card Rates, Fees, Rewards, and Other Important Information

FICO Req’d

Intro

Regular APR

Fee

Good

0%/6 Mos* BT

10.99% – 20.99% V

None

Blue Cash EverydaySM Card from American Express

Arrive Financial Staff — Sat, 15 Oct 2011 19:45:02 +0000

— Editor’s Pick: Cash Rewards — Blue Cash provides powerful cash rewards; the more you spend, the more cash back you can earn.

Earn a $100 cash back bonus after spending $1,000 in eligible purchases in the first 3 months of Cardmembership
No annual fee, flexibility to pay over time
Get 3% cash back at supermarkets, 2% cash back at gas stations and department stores, and 1% cash back on all other purchases
NO spend minimum, NO enrollment, and NO rotating rewards categories
Get a $25 Referral Bonus for each friend or family member who is approved for the Card

FICO Req’d

Intro

Regular APR

Fee

Good

0% on Purchases for 12 months

17.24%-22.24% Variable

None

Disclaimer: This content is not provided or commissioned by American Express. Opinions expressed here are author’s alone, not those of American Express, and have not been reviewed, approved or otherwise endorsed by American Express. This site may be compensated through the American Express Affiliate Program.

Editor’s review: Blue Cash Everyday^SM Card from American Express is one of our most recommended credit cards because it is the only credit card with which you can earn 5% cash back at grocery stores, gas stations, and drugstores.

Rewards: Card members earn 3% cash back for every purchase made at supermarkets, 2% cash back at gas stations and department stores, and 1% cash back for every purchase made everywhere else. There is no limit on the amount of cash back you can earn.

Rates and fees: Blue Cash Everyday^SM Card from American Express carries no annual fee. The APR for this card will be determined based upon your credit worthiness and is variable, currently between 17.24% and 21.24%.

New card members get a 0% introductory APR on purchases for up to 12 months. Blue Cash Everyday^SM Card from American Express uses the average daily balance method (including new purchases) of calculating your monthly balance. This card has a 20 day grace period.

Other benefits: Blue Cash Everyday^SM Card from American Express offers several additional travel and shopping programs:

Card members can shop at shopamex.com, a shopping comparison site designed for Amex cardholders. You can also redeem points for your purchases.

Card members can get a $100 statement credit back if you purchase a $3,000 vacation from American Express Travel Services.

Buyers Assurance – Get a double warranty for products you purchase with your card up, up to one additional year of coverage. Coverage is good for up to a purchase of $10,000 and up to $50,000 worth of purchases a year.

Purchase Protection Plan – Enjoy the ability to return any purchase if it is accidentally damaged in 90 days.

American Express Selects - The international traveler will enjoy discounts at Amex partner merchants worldwide.

Apply for Blue Cash Everyday^SM Card from American Express Now »

Chase Sapphire Preferred Card

Arrive Financial Staff — Sun, 15 May 2011 15:28:31 +0000

— Editor’s Pick: Travel Rewards — The Chase Sapphire Preferred Card is the ultimate travel rewards card.

Limited Time Offer! – Earn 50,000 bonus points after you spend $3,000 in the first 3 months- that’s $625 toward travel!
2 points per dollar spent on travel and dining & 1 point per dollar spent on all other purchases.
Use 20% fewer points when you redeem for travel. Just book your flight, cruise, or other travel through Ultimate RewardsSM
No foreign transaction fees
Earn a 7% annual points dividend – even on points already redeemed
Transfer points you’ve earned to participating frequent traveler programs at a 1:1 value
24/7 direct access to expert service advisors (No voice recording)
No Annual Fee for your first year – A $95 value

FICO Req’d

Intro

Regular APR

Fee

Excellent

None

15.24% (V)*

1st Yr Free, then $95

Chase Sapphire Card

Arrive Financial Staff — Wed, 30 Sep 2009 14:14:23 +0000

— The Chase Sapphire Card is the ultimate rewards card for those with excellent credit.

» Limited Time Offer! – Earn 25,000 bonus points after you spend $3,000 in the first 3 months – that’s $250 toward a flight or any other reward!
» Redeem points for travel, gift cards, merchandise, cash back and more
» 2X points earned on airfare & hotel accommodations 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
» No annual fee!

*See Card Terms and Condition

FICO Req’d

Intro

Regular APR

Fee

Excellent

None

as low as 15.24%

None

American Express® Premier Rewards Gold Card

Arrive Financial Staff — Sat, 01 Aug 2009 14:57:00 +0000

— The American Express® Premier Rewards Gold Card still reigns as the world’s most exclusive card. Enjoy the flexibility of paying in full each month and never paying finance charges or selecting certain charges to pay over time.

Membership Rewards® bonus: 15K points, redeemable for select gift cards valued at $150, when you spend $1,000 in your first three months of card membership
Membership Rewards® points multiply fast! Earn 3X points on airfare, 2X points on gas and groceries, 1X points on everything else
Exclusive access to Gold Card Destinations and events — Enjoy special travel packages and amenities at hotels worldwide, as well as select concerts, shows, major sporting events, and more, nationwide
Introductory annual fee of $0 for the first year, then $175
Get approved in 60-seconds.

FICO Req’d

Intro

Regular APR

Fee

Good

N/A

$0 1st Yr, then $175

Miles by Discover® Card

Arrive Financial Staff — Wed, 29 Jul 2009 16:27:20 +0000

— Recommended Card for Travel Rewards — For frequent fliers with excellent credit, Miles by Discover® Card gives you miles on any airlines, a great balance transfer rate and a low regular interest rate.

Earn up to $120 in travel rewards–1,000 Bonus miles every month you make a purchase for the first year
Double Miles on every $1 you spend
0% intro APR on purchases and balance transfers for 6 months, then the variable APR of 10.99% – 16.99%
No restrictions on travel–fly on any airline, book any hotel or car, with no blackout dates
Flexible redemption options like travel credits, merchandise, gift cards or cash
Travel benefits include secondary collision damage insurance when you rent a car with your Miles by Discover card
Ranked #1 in customer loyalty–15 years in a row! (2011 Brand Keys Customer Loyalty Engagement Index report)
Great rewards with no annual fee, no rewards redemption fee, and no additional card fee

*View Discover® Card Rates, Fees, Rewards, and Other Important Information

FICO Req’d

Intro

Regular APR

Fee

Good

0% for 6 months

10.99% – 16.99% Variable

None

Discover® Motiva Card

Arrive Financial Staff — Thu, 02 Jul 2009 19:38:00 +0000

— Earn a pay-on-time bonus equal to a full month’s interest every time you make six on-time payments in a row.

» Earn Cashback Bonus for your good credit managment
» 0% intro APR on purchases and balance transfers for 15 months, then the variable APR of 10.99% – 20.99%
» Up to 20% Cashback Bonus at popular online retailers when you shop through Discover.com
» Ranked #1 in customer loyalty–15 years in a row! (2011 Brand Keys Customer Loyalty Engagement Index report)
» 24/7 access to a U.S. based Account Manager within 60 seconds
» $0 Fraud Liability plus automatic mobile and email fraud alerts
» Great rewards with no annual fee, no rewards redemption fee, and no additional card fee

*View Discover® Card Rates, Fees, Rewards, and Other Important Information

FICO Req’d

Intro

Regular APR

Fee

Good

0% for 15 Mos.

10.99% – 20.99% Variable

None

Making its debut in the Spring of 2007, the Discover® Motiva credit card is truly unique among American credit cards in that its rewards structure is based on finance charge rebates.

The interest rebates, combined with an aggressive introductory balance transfer offer (0% for 12 months), make it an excellent card choice for borrowers looking to pay off an existing credit card debt as inexpensively as possible.

For example, a borrower with a $5,000 credit card balance on a credit card with an 18% APR making minimum payments would save $650 a year by transferring a balance to the Motiva Card, and that’s before the interest rebates.

The Motiva Card gives card members one month of no finance charges for every six months the card member makes on-time payments. This could bring the first-year savings on a $5,000 credit card balance to approximately $690.

In addition to Motva’s unique rewards program, our reviews of Discover’s customer-service, online account management, and fraud prevention and security measures have been excellent.

Acceptance Rate

The Discover® Motiva Card is selective, however, applicants with average credit scores may be approved. Applicants with below-average credit cards will most likely not be approved.

Applicants with FICO credit scores above 700 are usually accepted; applicants with FICO credit scores between 650 and 700 may be accepted depending on your credit usage, history, and income. Don’t know your score? Get it free now.

Applicants with FICO credit scores below 640 may only be accepted if you have a high income and low credit utilization and your recent credit history shows substantial improvement.

Apply for a Discover Motiva Card Now »

Customer Reviews

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The Platinum Card® from American Express

Arrive Financial Staff — Mon, 09 Jun 2008 20:31:33 +0000

— The Platinum Card has it all: access to airport lounges, a 24-hour concierge, and world-class rewards.

25,000 Membership Rewards® points when you spend $1,000 during your first three months of Card membership
GLOBAL Travel benefits: Priority Pass select airport club access, No Foreign Transaction Fees, Global Entry expedited U.S. immigration pass
Up to $200 in Airline Fee Credits annually to cover incidental charges on your airline of choice, including checked-baggage fees
Complimentary Companion Airfare with purchase of qualifying First- or Business-Class international ticket
24/7 Platinum Card® Concierge service for assistance with reservations, travel, gifts, and more
FINE HOTELS & RESORTS Program: exclusive upgrades and amenities at over 700 boutique, resort, and luxury hotels worldwide

FICO Req’d

Intro

Regular APR

Fee

Excellent

N/A

$450

Starwood Preferred Guest® Credit Card

Arrive Financial Staff — Mon, 09 Jun 2008 20:19:16 +0000

— Perenially rated one of the best travel/hotel rewards credit cards.

Starpoints(R) BONUS: 10K with your first purchase and another 15K when you spend $15k within 6 months – enough for up to 6 free nights at a category 1 or 2 hotel.
Free nights, free flights: Redeem Starpoints with over 350 airlines through SPG Flights and more than 1,000 hotels and resorts worldwide. No blackout dates
2011 SmarterTravel® Award for “Best Travel Rewards Card”
Enjoy the first year with no annual fee – a savings of $65.

FICO Req’d

Intro

Regular APR

Fee

Excellent

None

15.24%-19.24%

1st yr free/$65