Category Archives: No Annual Fee

Belk Credit Card

Belk Rewards Card

Belk Rewards Cards give shoppers automatic discounts with almost every purchase at any any Belk store or at Belk.com.

Besides savings at Belk department stores, Mastercard holders earn 2% rewards at gas stations and grocery stores, and 1% rewards when shopping almost everywhere else.

When you open a new Belk credit card account you will receive a 20% off coupon, plus a $10 statement credit on your first-day shopping spree.

The fun begins with the basic Belk Rewards Card, and becomes even more amazing the you spend.

The entry Belk credit card includes

  • 3 points for every eligible $1 purchase
  • Hassle-free returns without a receipt
  • 20 exclusive savings events each year
  • Bonus rewards events
  • A cardholder savings day of the month
  • Track your rewards at www.belkcredit.com
  • No annual fee

The Belk Premier Rewards Card ($600 to $1499 in spend per year) adds

  • 4 points for every eligible $1 purchase
  • Special Financing with the Belk Rewards Flex Pay Plan
  • Birthday coupon
  • Exclusive Premier savings days

Finally the Belk Elite Rewards card members get

  • 5 points for every eligible $1 purchase
  • Free shipping in store and at Belk.com
  • Quarterly 20% off pick your own sale day
  • 4 invitation only Elite savings days
  • Free shipping coupons

In case you are not conveniently located by a Belk store visit their online presence at Belk.com for the latest in new merchandise and current promotions.

Barclaycard with Apple Financing

Barclaycard with Apple financing

The Apple Rewards Barclaycard has been phased out and replaced by the Barclaycard Financing Visa.

Upon approval new cardholders receive special financing on purchases within 30 days of account opening depending on amount charged.

  • Less than $499, interest is deferred for 6 months (up to between $81 and $145)
  • From $499 to $999, interest is deferred for 12 months (up to between $162 and $290)
  • Over $999, interest is deferred for 18 months (over $162 to $290 depending on APR)

Deferred interest you owe interest on the merchandise from the date of purchase if the balance is not paid in full when the promotional period ends.

The special financing applies only to products bought at Apple Store Location, online at apple.com, or via phone through -1-800-MY-APPLE posting within 30 days of account opening.

This card doesn’t garner any rewards on purchases whether at a generous 0% financing promotion on purchases made at Apple within the first 30 days of account opening to make owning an Apple product easier on the budget.

Visit the VISA credit card website to find out more about VISA cards and their benefits that are included free of charge:

  • No annual fee
  • ID theft protection
  • $0 fraud liability protection
  • Purchase security
  • Return protection
  • Warranty manager service
  • Auto rental collision damage waiver (personal only)

Forgot your card? No problem. Use your iphone with the ApplePay app at checkout!

Journey Visa Card

The Capital One Journey Mastercard is designed to help students build credit and get rewarded for it.

Student Visa CardYou get reminders to keep you on track, rewards for good behavior, and credit tools and tips help you along the way.

Get access to a higher credit line with Credit Steps after making your first 5 monthly payments on time.

Because it’s a Mastercard, you can use it at millions of places and get Zero Liability Protection for lost or stolen cards.

You get 1% cash back simply for using the card on all your purchases – paying cash doesn’t do that and you only have to pay it a few weeks later.

Plus, get an additional 25% bonus when you pay your bill on time.

Get up to 15% more cash back when you shop our Perk Central retail network.

Free access to your credit score with the CreditWise tool from CapitalOne, plus an interactive tracking tool to help monitor your credit.

Free text and e-mail alerts help keep you on track

The cash rewards don’t expire and there is no limit to how many you can accumulate.

Get your cash back anytime as an account credit or check, even set up automatic redemption to whatever account you want.

The high variable Annual Percentage Rate of 26.99% on balances encourage cardholders to build good habits by paying the bill off in full for every statement.

Apply here to start your credit journey.

Kroger Rewards Card

Koger shopping cart

Kroger Rewards World Mastercard gives you unlimited rewards

It’s so easy to save money with your Kroger rewards card. You get:

  • 1 point per net $1 spent anywhere Mastercard is accepted
  • 2 points per net $1 spent in the Kroger family of stores (excluding fuel centers)
  • 3 points per net $1 spent on the Kroger family of quality brands
  • Additional 25¢ fuel discount at participating Kroger family of stores*
  • $100 cash back after spending $200 on the card within first 40 days of account opening

NOTE: redemption is 1/2% per dollar spent
1,000 Points gives $5 back, not $10

Additional features at no cost to are:

  • No annual fee
  • No penalty on over-limit purchases
  • 24-day, interest-free grace period on purchases
  • Balance transfer fee: 4%
  • Foreign transaction fee: none
  • Free Gold Checking account from US Bank
  • Automatic bill payment
  • Account alerts for peace of mind
  • Travel & emergency assistance services
  • Mastercard Global Service at no charge
  • Auto rental collision damage waiver
  • Free online account access – 24 hours a day, 7 days a week
  • Mobile banking on smartphones
  • Warranty manager service
  • Zero fraud liability
  • Annual account summary

The 1-2-3 Kroger Rewards Card is issued by USBank.

Be sure to read the fine print of the credit application for a full disclosure of all the terms and conditions.

* Offer applies to new cardholders only. Discount is available at Kroger Family of Stores Fuel Centers when you redeem at least 100 existing fuel points earned in a single month. You must scan, redeem fuel points and pay with your 1-2-3 REWARDS Visa Card in order to receive this fuel discount. Additional 25¢ discount offer expires one year from the cardholder’s approval date. Upon expiration, cardholder will receive additional 5¢ fuel discount at Kroger Family of Stores Fuel Centers, when they scan, redeem fuel points and pay with their 1-2-3 REWARDS Visa Card.