All posts by Leonard Kreicas

American Boating Association Mastercard®

luxury yacht

The information on this page is outdated. American Boating Association no longer accepts applications for its Mastercard® program.

American Boating Association Mastercard® offers an introductory 0% APR on balance transfers for the first 12 billing cycles after account opening.


Receive a $25 statement credit after making your first purchase with your new ABA Mastercard®.


As a free benefit cardholders receive 2 points for every $1 charged with the card at qualifying gas stations, grocery stores, and drugstores.

On all other eligible purchases, cardholders get 1 point for each $1 charged.

Some items are not eligible to earn points. They include

  • Convenience checks
  • Balance transfers
  • Cash advances
  • Unauthorized or fraudulent charges
  • Fees of any kind such as annual fees, balance transfer fees, cash advance fees, etc.
  • Purchases considered cash equivalents such as gift cards, casino chips, coins, other methods of gambling, etc.

Returns of items purchased with the card also forfeit any points earned.

Points can be redeemed in several ways:

  • Gift cards
  • Merchandise
  • Travel
  • Cashback in the form of a statement credit ($25 minimum)

As a unique reward for each year your Account is in good standing, you receive the free annual American Boating Association membership (a $15 value).


  • Grace Period: 25 days
  • Annual Fee: $0
  • Balance Transfer Fee: 2% (min $10)
  • Cash Advance Fee: 2% (min $10)
  • Foreign Transaction Fee: 1.4%
  • Introductory APR for purchases and balance transfers: 0% for the first 12 months
  • APR for purchases and balance transfers after the first 12 months: 13.99% to 23.99%
  • APR for cash advances: 26.24%


  • Zero Liability Protection
  • Mastercard ID Theft Protection™
  • Mastercard Global Service™
  • Emergency card replacement
  • Chip enhanced security
  • Free monthly statements

This card is issued by Banco Popular de Puerto Rico.

Wells Fargo Reflect®  Card

beautiful woman holding Wells Fargo Reflect Card

Wells Fargo Reflect Card offers new account holders a low annual percentage rate (APR) of 0% over a generous 21-month period.

Slash credit card payments and improve your finances with low credit-card monthly payments until 2026. After the introductory period ends you still enjoy the world-class customer service of Wells Fargo plus the benefits of a Visa Card.


Did you find a great deal but couldn’t immediately pay for it? Or do you prefer not to sell your investments to make a large purchase right now? The introductory 0% APR offers a great way to get what you want.

You can transfer balances from a high APR (Annual Percentage Rate) card to the Wells Fargo Reflect® Card for a fee of less than 3% because the nominal 5% balance transfer fee is spread over 21 months. Remember though, to avoid making ANY purchases on the new card while carrying a balance transfer balance. Balances may be comingled and required for full payment on the due date to prevent interest charges. Read the terms and conditions of the card carefully.

young couple relaxing on the beach


People chasing cash rewards won’t find them with this card. The rewards come in the form of top-flight benefits and services. Users can skip tracking purchases for a few dollars worth of rewards. The Wells Fargo Reflect® Card keeps life simple because of its important features that safeguard spending.

  1. No unnecessary annual fee
  2. A grace period of 25 days applies before payments are due
  3. Automatic bill pay eliminates missed or late payments
  4. Contactless card for faster and safer checkout
  5. Convenient lock and unlock feature when not using the card
  6. Free online banking so you don’t lose important documents and can access them 24/7
  7. Account alerts to remember your purchases and make sure prices and items are right
  8. A digital wallet app means no searching for the card or leaving home without it
  9. Choose your payment date to one that meets your needs
  10. Free FICO score for unexpected changes or prepare for credit checks
  11. Exclusive My Wells Fargo Deals
  12. Use preferably on domestic purchases since a 3% foreign transaction fee applies
handsome young couple walking while shopping


Use the card confidently wherever you go knowing that Visa will serve and protect you in several ways. You can add authorized users you trust to help them whenever they need assistance. Here are some of the ways Visa Card works its magic.

  1. Zero fraud liability fights for your rights against scammers and hackers
  2. Emergency Cash and Card Replacement
  3. Accepted in locations where American Express or Mastercard isn’t
  4. Identity theft solutions guard you from online hackers who want to steal your data
  5. 24/7 service locally and throughout the world you need it
  6. Cell phone protection for theft or damage ($600 maximum)
  7. Lost Luggage Reimbursement
  8. Auto Rental Collision Damage Waiver
  9. Travel and Emergency Assistance Services
  10. Travel Accident Insurance
  11. Lost/Stolen Card Reporting
  12. Cardholder Inquiry Service via phone and online
pretty woman sitting in tropical setting with laptop


Business Insider
“If you’re looking for the best Wells Fargo credit card for balance transfers, the Wells Fargo Reflect® Card is a great choice. And it offers an extra-long interest-free period on new purchases, too.”

“The Wells Fargo Reflect® Card is a good credit card that’s worth it for people with good credit who want to avoid interest charges on new purchases and qualifying balance transfers for 21 months after opening an account.”

“We consider this card a prime pick for people who want a balance transfer credit card. It has a potentially low ongoing interest rate and its intro APR offer is top-notch and among the longest promotional APR offers currently available.”

American College of Physicians Credit Card

American College Physicians Credit Card

The information on this page is outdated. American College of Physicians no longer accepts applications for its Mastercard® program.

Get a $200 cash back bonus after charging $1000, within 90 days, to a new American College of Physicians Credit Card.

Finance larger purchases for the first 12 billing cycles by making at least the minimum payment due with an introductory APR of 0%.

On top of those incentives card holders get these rewards for the life of the programs every time they shop:

  • 3% cash back in one of the following categories: gas, online shopping, dining, travel, drug stores, home improvement or furnishings
  • 2% cash back at grocery stores and wholesale clubs and
  • 1% cash back on other eligible purchases

Certain restrictions and limits apply, so make sure to read the fine print in the application.

The Visa Signature Card from Bank of America, offers many features such as lost luggage reimbursement, cell phone protection, extended warranties, and more at no cost to the cardholder.


  • Grace Period: 25 days
  • Annual Fee: $0
  • APR Purchases after intro: 16.24% to 26.24%
  • APR Balance Transfers after intro: 15.74% to 25.74%
  • APR Cash Advances: 19.24% to 27.24%
  • Balance Transfer Fee: 3% (min $10)
  • Cash Advance Fee: 3% (min $10)
  • Foreign Transaction Fee: 3%
  • APR Balance Transfer: 15.74% to 25.74%
  • APR Cash Advances: 24.24%
  • Fraud Protection: yes
  • Alerts on card use and bills available
  • Complimentary monthly FICO scores available
  • 24/7 customer service for questions and assistance

This credit card is open only to members of the American College of Physicians(ACP), which serves doctors on a variety of ways according to its web site.

“ACP is a national organization of internists, the largest medical-specialty organization, and second-largest physician group in the United States. Our 161,000 members include internists, internal medicine subspecialists, medical students, residents, and fellows.”