All posts by Leonard Kreicas

Apple Federal Credit Union

Credit Union,
Apple Federal Credit Union

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

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.

AmTrust Credit Cards

Community Bank, ,

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

Citizens Bank Clear Value Mastercard Credit Card

Bank,

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.

NASA Federal Credit Union

Credit Union

NASA credit union credit card

Join the NASA Federal Credit union and transfer your credit card balances with NO fee!

You do NOT have to be a member of NASA to get its great perks.

You can become a NASA credit union member by enrolling in the following qualifying associations:

  • Be an employee or retiree of NASA Goddard, NASA Headquarters, NASA Wallops, NASA Kennedy Space Center and NASA
  • Be an employee or a member of one of 900 NASA Federal Credit Union partner companies or associations
  • Be an immediate family or household member of a current NASA Federal Credit Union member
  • Or even become a member of the American Consumer Council, a non-profit organization dedicated to protecting consumers. Simply select “American Consumer Council” from the Membership Eligibility drop-down menu of the membership application. Best of all there is no fee join the council.
  • More than 900 companies and Associations, including Orbital, National Space Society, Mathematical Association, have partnered with NASA Federal Credit Union

If you meet any of the above criteria, you are eligible to become a member of NASA Federal Credit Union.

There are no fees to join, but you will be required to open a Savings Account with an opening deposit of a modest $5 to establish membership.

In addition, members receive the full benefits of traditional bank credit cards and help NASA keep Americans at work.

Select the NASA Federal Visa Credit Card for real value and a variety of privileges, from cash back to rewards.

The card has some of the lowest interest rates available on balances, with no interest due on balances paid in full for every billing cycle.

Regardless of the card you choose, enjoy card benefits such as (at no cost)

  • Zero fraud liability
  • 24-hour travel & emergency assistance
  • Extended warranty program
  • Auto rental insurance
  • Free Verified by Visa fraud protection
  • Six card design choices

Besides the credit card, NASA Federal Credit Union offers other outstanding financial products:

  • No monthly debt card fees
  • Free mobile banking and remote deposit
  • 28,000 free mobile ATM locations
  • Premier checking with early access
  • Refinance your auto loan and NASA FCU will lower your rate by at least 2%
  • Up to 100% home purchase financing

Details for these programs are available at NASA Federal Credit Union web site.