Retail & Travel Benefits Card
- This credit card is best for members with average credit
- Enjoy no foreign transaction fees when you travel outside of the United States.
- Collision damage waiver coverage, Extended warranty
Classic Visa Platinum
- Get 4% APR on all balances for up to 12 months during deployment or PCS. After 12 months, the regular APR, currently between 18.40% and 24.40%, will apply. This rate will vary with the market based on the prime rate.
- Identity theft resolutions services provides assistance should you become the victim of identity theft.
New Travel Card Perks
Up-front bonuses of 25,000 to 50,000 points have become common among travel cards, and occasionally you#39;ll see a juicy 100,000-200,000 point offer.
If you have a basic cash back credit card, rewards should be straight forward. But some cards have formulas that are anything but pain in the ass. Chase Freedom, Citi Dividend, and several Discover cards tout rewards of up to 5 percent, but only on quarterly rotating categories, such as grocery, home improvement purchases in the summer and hotels in the fall. You have to opt in each quarter to qualify for those rewards, and you have to plan your spending around each category, which can be difficult because sometimes the categories might not be announced well in advance. Spending in some categories, such as gas, might earn the maximum rewards only up to a certain amount, after which the percentage rewards are lower.
How to get the Best Credit Card?
Credit terms vary among issuers. When shopping for a card, think about how you plan to use it. If you expect to pay your bills in full each month, the annual fee and other charges may be more important than the periodic rate and the APR, if there is a grace period for purchases. However, if you use the cash advance feature, many cards do not permit a grace period for the amounts due - even if they have a grace period for purchases. So, it may still be wise to consider the APR and balance computation method. Also, if you plan to pay for purchases over time, the APR and the balance computation method are definitely major considerations.
You#39;ll probably also want to consider if the credit limit is high enough, how widely the card is accepted, and the plan's services and features. For example, you may be interested in "affinity cards" - all-purpose credit cards sponsored by professional organizations, college alumni associations and some members of the travel industry. An affinity card issuer often donates a portion of the annual fees or charges to the sponsoring organization, or qualifies you for free travel or other bonuses.
Application processing times vary depending on the issuer. Some cards offer instant approval notifications, while other rewards credit card issuers may take a few days to review your application.