Credit Card Finder System - Business, Airline Miles & More.
Compare credit card offers from all major issuers. Choose from,
business, airline miles, low interest, balance transfer and more.
Debit or Credit?
The clerk used to ask "Cash, check, or charge," the clerk - or the various kinds of display terminals that increasingly substitute for unskilled labor - may ask, "Debit or credit?" Even those choices do not exhaust all the possibilities, for there are three types of payment cards in circulation now and another type on the horizon.
These cards differ in when and how they require the consumer to pay for their purchase. But, the most common one is the "general-purpose" credit card that can be used at many merchants, as opposed to store (e.g.,Sears) and gasoline (e.g. Shell) cards that can be used only for purchases from the merchant that issued the card.
Instant Credit Cards
With Instant Approval Credit Cards, you will commonly receive a decision or response on your online credit card application or prepaid Visa card application very fast. These cards are perfect for those who need to know if they are approved without waiting and provide instant gratification. Compare the top Instant Approval Cards
Credit Cards for Bad Credit
Need a credit card but cannot get approved because of bad credit or no credit history? It may be possible to get a credit card regardless of your credit history. Credit Cards for People with Bad Credit may be able to help you build, rebuild, or re-establish your credit history if you make on time minimum payments with all of your creditors and maintain your account balances below the credit limits. There are usually fees associated with these credit cards in addition to the annual fee. Compare the top Cards for Bad Credit
Cash Back Credit Cards
Use cash back credit cards to get the equivalent of up to a 5% discount on your purchases. With a Discover it® Card Discover it Card 5% Cashback Bonus, you can earn 5% Cashback Bonus whenever you make a purchase with your credit card. Earn a Cashback Bonus of 5% on purchases in certain categories, which change on a quarterly basis, like gas, department stores and restaurants. 1% on all other purchases, all year round. Discover it® is one of the best cash back credit cards, along with excellent fraud protection and customer support.
With a charge card, you are supposed to pay the issuer upon receipt of your monthly statement. You have nevertheless received a loan because, if you get billed every thirty days and you charge evenly over the month, you get an average of fifteen days before you get billed for an item and then several more days to pay that bill before you get charged interest. Most people write a check to pay off their charge card bill.
The American Express Green Credit Card Offer is the predominant charge card. The typical customer pays an annual fee of $100 plus $50 for each additional card for other family members. For account balances that are more than sixty days late, the customer pays at least $25 or a total amount up to 3% of the balances. Customers who get "corporate" cards from their company pay somewhat different fees. Compare the top Credit Cards With Low APR
With a credit card, you can pay your charges in full or finance them up to the credit limit that the card issuer has established for you. You still get the same basic loan as with a charge card; the grace period between when you buy an item and when you have to send in a check. But you can extend the term of this loan almost indefinitely so long as you make a minimum payment each month.
The Citibank Visa card is one of the most widely held. The typical customer does not pay an annual fee. In fact, if a person pays their monthly bill in full, they pay an interest rate - annual percentage rate (APR) - of 12.99 to 22.99 percent of the remaining balance. If the customer is tardy in paying their bills, the APR can go up to 29.99 percent. If the customer uses the card to get a cash advance, they pay 5 percent of the cash amount or $10 (but at least $10). Many other Visa cards offer lower rates than those charged by Citibank.
Use our Credit Card Offers Finder System to compare ALL types of credit cards. Review and compare the top cards in each category and apply online!
Types of Credit Card Offers Today
Most payment cards today in America are credit cards. There were approximately twenty times as many general-purpose credit cards as charge cards and over twice as many general-purpose credit cards as debit cards in 2010.
This is the result of robust growth in credit cards over the past decade. Between 2000 and 2010 the number of credit cards grew at almost three times the rate of debit cards. While the number of charge cards in circulation remained virtually unchanged.
This trend seems sure to change as consumers use debit cards and smart cards more often. Debit cards are not just a major threat to cash and checks; they compete with credit cards as well. Smart cards have a lot of poential uses, and some of them could sharply reduce the use of small change.
So, credit and charge cards have led a revolution in money for the past 40 years and have become a necessary part of life for most consumers. Compare the Best Overall Cards
Business Credit Cards as a Major Source of Credit
One major benefit for consumers and business owners is from shopping with credit cards and not having to pay right away. Credit cards and charge cards enable businesses and consumers to defer payment for a few days or weeks, thus helping cardholders better coordinate their earnings and spending. You do not have to have the cash in your wallet or your checking account to buy something you suddenly decide you must have to operate.
Credit cards provide longer-term loans than charge cards and have become a major source of credit in the economy. Many small businesses finance themselves with credit cards. Firms with little experience or credit history - typically firms just starting out and smaller firms - may use credit card "loans" instead of traditional bank loans. Indeed, some banks have actively promoted credit lines to small businesses. Other banks encourage small owners to use their personel credit cards to finance their businesses. A 2010 survey found that four in ten small businesses used personel credit cards as a source of financing. Compare the top Business Credit Cards
The movement away from money as something of intrinsic value and toward money as a unit of account revolution that is sure to shape commerce in this century at least as fundamentally as the spread of paper money has in the past two centuries. The payment card industry is at the center of this revolution.
To compare the top credit cards from all major issuers, use our Credit Card Offers Finder System. Select the category or type of credit card that fits your needs: www.instant-creditcard-offers.com then compare and apply for those credit card offers online!
*Instant-CreditCard-Offers.com strives to provide up-to-date information. However, it is recommended to visit the credit card issuers web site to view the current terms and conditions of their credit cards.