All posts by Leonard Kreicas

Apple Federal Credit Union

Apple Federal Credit Union

Apple Federal Credit Union offers its members up to a $35,000 credit line.

Join Apple FCU to enjoy the benefits of a credit union by meeting these criteria.

Apple FCU offers several credit cards, but they all share these common benefits:

  • No annual fee
  • No cash advance, balance transfer, or foreign transaction fees
  • Design your card feature with photos or your favorite persona
  • Visa shopping discounts
  • Online & mobile payments and history
  • Rates never higher than 18% APR
  • Free auto rental insurance, travel assistance services, etc.
  • $1,000,000 Travel Accident Insurance
  • Annual Summary of Purchases
  • Visa Zero Liability guarantee

Here are some of the choices available to members:

Apple FCU Visa Signature credit card

Visa Signature Card
Earn 3x points on gas, 2x points on groceries, and 1 point elsewhere per dollar charged. Credit lines up to $50,000. Plus exclusive features available only to Visa Signature cardholders.


Apple FCU myrewards credit card

Rewards Visa Card
Earn 3x points on gas, 2x points on groceries and 1 point on on other charges per $1 spent. Redemption options include cash back, gift cards, travel, merchandise, and more. Credit lines up to $5,000.


Apple FCU Platinum Credit Card

Platinum Visa Card
No rewards, but get great a low (variable) rate and credit lines up to $35,000.


Apple FCU educator credit card

Educator Visa Card
Special introductory rates on charges in the first 12 months. Plus no payments due over the summer months. Credit lines up to $35,000.


For more information and application click here.

AmTrust Credit Cards

Amtrust Bank offers two non-secured credit card choices.

Amtust Complete Rewards credit card

Amtrust 2% Cash Back Visa Card features

  • Unlimited 2% cash back rewards  everywhere Visa is accepted
  • Automatic redemption into your checking or savings account
  • Cash back rewards are good for 3 years before they expire.
  • No annual fee

Amtrust Platinum Edition Visa Card features

  • 0% introductory APR for the first 15 billing cycles after the account is opened on balance transfers.
  • $25 statement credit when you make a purchase within the first 3 billing cycles after the account is opened.
  • No annual fee

Credit card users had numerous benefits cash purchases did not provide, such as:

  • Careful tracking of dates and prices paid
  • Zero liability on fraudulent charges
  • Identity theft protection
  • Purchase protection on defective merchandise
  • Extended warranties on select items
  • Auto rental and travel accident insurance
  • Online banking from the convenience of your residence
  • Mobile banking from wherever you may be
  • No need to worry about carrying or losing cash
  • Instant alerts on suspicious transactions
  • Paperless statements which cannot be lost
  • Secure Apple Pay feature

AmTrust is part of New York Community Bank family, which is the largest thrift in the country with customers in New York, New Jersey, Florida, Ohio and Arizona. AmTrust itself operates solely in Florida with 26 branches and Arizona with 14 locations. The credit cards are issued by the First Bankcard division of First National Bank of Omaha.


A little-known additional feature is available to active duty members of the United States Military. They may be eligible for SCRA benefits, such as a 6% APR cap on credit cards. Note though, SCRA does NOT relieve cardholders from making credit card payments on time!

For more information on qualifying and features of SCRA visit saveandinvest.org

Cabelas Club World Mastercard Credit Card

Cabelas Club World Mastercard credit cardThe Cabela’s Visa Credit Card is now a Cabela’s Club World Mastercard credit card from Capital One.

New Cabela’s Club World Mastercard members get $25 in CLUB points, plus another $10 worth of CLUB points after making 5 purchases within 30 days of opening.

Every purchase at Cabela’s or Bass Pro Shops with the card  earns cardholders an additional 2% rewards good towards the CLUB card. Even purchases made elsewhere add 1 CLUB point per dollar charged to the card. Redeem those CLUB points for free gear at either Bass Pro Shops or Cabela’s.

Card holders get a special break with financing from Capital One Bank. Charges on merchandise bought at Bass Pro Shops and Cabela’s are subject to a low 9.99% APR versus the 15.24%, 18.24% or 24.24% APR on balances for goods purchased everywhere else.

MORE BENEFITS & FEATURES

  • You get the privileges of a Cabela’s credit card with no annual fee.
  • Nor does the card impose any overlimit or returned payment fees.
  • The points never expire and there is no limit on how many points you can earn.
  • In addition cardholders receive notice of special offers.

 

Citizens Bank Clear Value Mastercard Credit Card

Introductory 0% APR for 18 months on balance transfers with a new Citizens Bank Clear Value® Mastercard®

Citizens Bank Clear Value Mastercard Credit Card

There is however an upfront 3% balance transfer fee, with a minimum charge of $10.

The Citizens Bank Clear Value® Mastercard® credit card, previously issued by Charter One Bank is available at no cost to you for purchases online or your favorite stores.

Features of the Clear Value® Mastercard®

  • ID theft protection for peace of mind 24/7
  • Extended warranty protection
  • Travel accident and baggage delay insurance
  • Zero liability for unauthorized activity on the credit card
  • Contactless purchases on select terminals

Other perks include:

  • No Annual Fee
  • 21-day, interest-free grace period on purchases
  • Free Online Account Access – 24 hours a day, 7 days a week
  • No returned payment fees
  • No over-the-credit limit fees
  • Year-End Account Summary

About Citizens Financial Group

In 1828, Citizens Financial Group got its start as a small community bank called the High Street Bank in Providence, Rhode Island.

Citizens Financial Group, Inc. is a $132 billion commercial bank holding company, which is headquartered in Providence, RI, and through its subsidiaries has more than 1,500 branches, approximately 3,900 ATMs and more than 20,900 employees.

It operates its branch network in 12 states and has non-branch retail and commercial offices in about 40 states.