Unsecured Credit CardsTop Unsecured Credit Cards For all types of credit

Now you can save even more money through SmartyPig online social banking with the brand new “SmartyPig Cash Rewards Prepaid MasterCard.” On top of charging no monthly maintenance, customer service or reload fees, the “SmartyPig Cash Rewards Prepaid MasterCard” lets you earn up to 10% cash back at more than 9,000 select U.S. retailers. Once you open your SmartyPig online savings account, you have the option to load funds anytime through your online account onto a prepaid MasterCard for use anywhere Debit MasterCard is accepted. The new Card also provides cash-back savings on everyday purchases and urges you to invite your family and friends to contribute to your account via social networks. Save on!

Q: How can I earn the most cash back with my Blue Cash from American Express card? How much do I have to spend, and what should I buy in order to earn these rewards?

A: The Blue Cash credit card from American Express is just one of those offered by the company that provides cash back rewards. It is possible to earn as much as 5% cash back on purchases that you make every day; it doesn’t have to be just special or one-time purchases. Every day purchases include motor vehicle fuel, groceries, and items bought from drugstores.

This doesn’t mean you can’t earn cash back rewards on other purchases. They can get you as much as 1.25% cash back.

You’re not limited as to how many cash reward points you can earn. The more you spend, the more your cash back rewards will be.

If you want to earn cash back quicker, spend more than $6,500 on your Blue Cash card. This wi Read more…

Visa has introduced its “Borderlinx” and “SkyBOX” online shopping services in markets around the world so everyone can enjoy shopping at thousands of online merchants from the U.S. and the U.K. Making it easier for you to shop on the internet these holidays, “Borderlinx” and “SkyBOX” eCommerce shopping gives you a personalized U.S. shipping address to which retailers can mail purchased items, and then arranges for delivery to your home country. Visa cardholders in Australia, Bahrain, Canada, China, Kuwait, New Zealand, Oman, Qatar, Russia, Saudi Arabia and UAE can now register with “Borderlinx” (www.borderlinx.visa.com) for free and is offering a 10% savings for Visa cardholders in select countries during promotion periods. Meanwhile, “SkyBOX” is offering a $10 discount on their first shipment on top of free registration. Check out www.borderlinx.visa.com and www.skybox.net/visa, for country-specific offers.

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Christmas is the time of year when you may be planning to splash out on presents for your friends and family.

But should you really be using a credit card to plug the gap in your spending?

We don’t advocate using a credit card, unless you can pay off the balance in full, as this leads to the slippery slope towards unmanageable debt.

However, the truth is that many people use credit cards to fund their Christmas spending with the view that they can spread the cost of repaying throughout the year. (Not necessarily a bad idea if you can get an interest-free credit card and keep up with your monthly repayments.)

The best type of credit card for festive spending is one with 0% interest on card purchases. A fair few card providers offer this for an introductory period, usually between nine and 12 months.

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Verdict: The PNC Everyday Rewards Visa Credit Card has a lot going for it: It has a generous and flexible cash-back program, low purchase interest rate, introductory offer of 0 percent interest and no annual fee. But if you charge a lot every month, you might find yourself losing out on some potential cash-back rewards checks. That’s because this card puts monthly limits on the amount of cash-back bonuses it will pay you no matter how much you charge.

Overview: Like many rewards cards, the PNC Everyday Rewards Visa uses a multi-tiered rewards system, meaning that you’ll earn more cash back for certain purchases and less for others. The card also comes with an introductory interest rate of 0 percent for nine billing cycles.

How This Card Works: Every time you earn at least $100 in cash-back points, you’ll receive a check for that amount with your next statement. You’l Read more…

Verdict: The Hawaiian Airlines Visa Business Card has enough perks to make it one of the most attractive cards for small business owners. These perks include an introductory interest rate of 0 percent, the ability to steadily earn free airline miles and 10,000 bonus miles after cardholders make their first charge.

Overview: For those business owners who travel extensively to Hawaii — or who’d like to rack up enough miles for an island vacation as a break from the rigors of owning a business — the Hawaiian Airlines Visa Business Card is a good choice. The card allows business owners to easily add additional cards for their employees, at a reasonable rate. It also allows owners to earn a hefty discount on round-trip airfare from the mainland to Hawaii.

How This Card Works: Cardholders pay an annual fee for a company card and a smaller fee for any employee cards they need to add. They’ Read more…