Category Archives: No Annual Fee

Discover It Cash Credit Card

5% rebate on gas purchases has arrived.

Discover it Credit Card saves cardholders 5% on up to $1500 in purchases at gas stations, wholesale clubs and on ground transportation (activation required) from January 1 through March 31, 2017.

discover-it-credit-cardAll other purchases earn 1% cash rewards made with your Discover it card.

For new account holders Discover matches cash back rebates at the end of your first year, that’s up to 10% cash back (limits apply).

Note: if the account is closed before 12 billing cycles, there will be no match.

Best of all, Discover charges you no interest for 12 months from the date of your account opening, provided minimum payments are on purchases you make.

This feature is great to finance those larger purchases that may not be affordable with a single paycheck or could deplete your emergency nest egg.

You can redeem your cash rewards for cash at any time and with no minimums.

You can use your Discover it rewards just like cash, towards purchases at

All these perks are given to the cardholder with NO annual fee!

Other Discover it Credit Card features include
damaged cell phone window

  • Hassle-free returns: Discover will refund purchase price ($500 max)  on eligible items, if the original store will not accept it within 90 days of purchase
  • Free cell phone insurance, up to $500, through purchase protection (call for details)
  • Should you lose your card, you can freeze your account in seconds with an on/off switch with the Discover App on your smartphone or the discovercard website
  • Paperless statement option
  • $0 fraud liability guarantee against unauthorized spending
  • Text alerts for security and reminders
  • Automatic payments available so you never miss a payment
  • Free monthly FICO scores from Transunion to track your credit rating

The fine print (subject to change):

  • Annual fee: $0
  • Introductory 0% financing for one year
  • No interest if balance paid in full with 25 days
  • Fee for balance transfer: 3% ($5 min)
  • Fee for cash advance: 5% ($10 min)
  • Fee for foreign transaction: 0%
  • Fee for late payment: $0 first time; $35 after that
  • Fee for returned payment: up to $37
  • Fee for going over your credit limit: $0
  • APR: purchases 11.24% to 23.24%
  • APR: cash advances 25.24%

Bonus Discover Deals with selected merchants for online purchases

  • Apple (5% off)
  • Walmart (5% off)
  • Kohl’s (5% off)
  • Macy’s (5% off)
  • Papa John’s (25% off)
  • 1-800 Flowers (15% off)
  • Avis (25% off weekly rental)
  • Bath & Body Works (20% off)

and over 100 more at discover deals.

Free cell phone insurance

two iphonesGet up to $600 of partial cell phone insurance for free!

Mastercard holders enjoy peace of  mind because when they pay their monthly cellular services bill on their eligible card, they will be covered for up to $600 if their smartphone is:

Stolen: Cardholders if their phone is stolen receive up to $600 in cash
Damaged: Cardholders get their fixed for free or if the damage is beyond repair, the coverage reimburses all or part of the cost of the device, depending on their card.

· Deductible per covered incident ranges from $25-$50 vs. retail plans typically are over $75
· Coverage protects up to 3 phones vs. retail plans typically cover one phone
· No additional cost to cardholder for coverage vs. retail plans typically cost over $99 per year

If you have any of the credit cards below you already have some cell phone insurance against damage or theft.

Also Mastercard doubles the warranty period for cell phones. You are covered for two years against buying a defective iphone, when using any Mastercard for the purchase.

If you don’t have any of the credit cards listed below, open a new account and get $200 to $600 worth of mobile phone insurance for free.

Some of them also feature special sign-up offers as an additional incentive.

10 Best No Interest Credit Cards

wallet with credit cardsTired of paying interest on your credit card monthly balances?

Open a new account to avoid interest charges for over a year with any of the ten 0% credit card introductory offers listed below.

Some of them feature interest-free periods as long as 21 months (almost 2 years)!

Others allow you to transfer your current balances, without any upfront transaction fees, to help straighten out your finances during the year.

You still must make the minimum monthly payments on the credit card account and keep track of when the introductory rate expires.

All of the featured selections also do not charge any annual fee.

Check out the choices and see which one or more fit your current situation.

Chase Slate 15 0% $0 0.0%
Edward Jones World Card 12 0% $100 1.0%
Capital One BuyPower 12 0% $0 5.0%
Perdue Federal Visa 12 0% $0 1.0%
La Capitol Federal Credit Union 12 0% $0 0.0%
Alliant Credit Union 12 0% $0 0.0%
Citi Diamond Preferred 21 3% $0 1.0%
Citi Simplicity 21 3% $0 1.0%
Chase Freedom Unlimited 15 5% $150 1.5%
Citi ThankYou Preferred 15 3% $0 1.0%
Wells Fargo Propel American Express® 15 3% $0 1.0%
Wells Fargo Cash Wise Visa 15 3% $0 1.5%
Wells Fargo Platinum Visa 15 3% $0 0.0%

Cards with no balance transfer fee

Save on costly balance transfer fees with this group of cards. Some are lesser-known financial institutions who offer great deals.

Chase Slate

  • The longest 0% Introductory APR, 15 months, with no balance transfer fee.
  • The  transfer must be made during the first 60 days of account opening.
  • Monthly FICO® Score and Credit Dashboard for free

Edward Jones World Card

  • Must be an Edward Jones client to receive credit card
  • $100 Loyalty Invest™ Deposit bonus after making $500 in purchases within 90 days of opening account
  • Earn Loyalty Points® on everyday spending and redeem them for cash back (statement credit), travel, gift cards, charitable donations or Edward Jones Loyalty Invest™ deposits

Capital One BuyPower

  • 5% Earnings on your first $5,000 in purchases every year
  • 2% unlimited Earnings on purchases after initial $5,000 yearly spend
  • Earnings redeemable towards a purchase or lease of new GM vehicle

Perdue Federal Visa Signature

  • One-time $50 fee to join Purdue University Alumni Association as a Friend of the University
  • No cash advance fee
  • Earn 1.25 rewards points per $1 spent on purchases with card

La Capitol Federal Credit Union

  • Must pay a modest $20 fee to join the La Capitol Federal Credit Union by becoming a member of the Louisiana Association for Personal Financial Achievement
  • 0% APR for 12 months is only valid for balance transfers, not purchases, made within first 90 days of account opening
  • 1.99% APR on purchases made within the first 90 days for 12 months

Alliant Credit Union

  • Must be a member of the Alliant credit union, which anyone can do with a $10 donation towards Foster Care to Success.
  • 1 rewards point for every dollar spent with card
  • Earn 10,000 bonus points with qualifying spend

Cards with balance transfer fees

Balance transfer fees take away some of the benefits of 0% financing. New purchases may not incur interest charges during the introductory period, but transfer fees may add hundreds of dollars to your spend.

Citi Diamond Preferred

  • Longest zero-interest intro APR for new accounts at 21 months of zero percent financing
  • 0% APR for balance transfer is subject to an upfront 3% fee and must be completed with 4 months of account opening
  • Enjoyed the many priviledges of Mastercard Diamond Preferred membership

Citi Simplicity

  • Longest zero-interest intro APR for new accounts at 21 months of zero percent financing
  • 0% APR for balance transfer is subject to an upfront 3% fee and must be completed with 4 months of account opening
  • No late fees, no penalty rate and no annual fee

Chase Freedom Unlimited

  • $150 Bonus after spending $500 on purchases in first 3 months from account opening (see details for restrictions)
  • Longer than normal 15 month 0% intro APR period
  • Stiff 5% balance transfer fee
  • Unlimited 1.5% cash back on net purchases with credit card

Citi ThankYou Preferred

  • Lengthily 15 month 0% intro APR period to pay off large purchases
  • 0% intro APR is only valid for transfers within first 4 months of account opening and a 3% balance transfer fee will be charged.
  • Earn 1% rewards on most net purchases, with a higher 2% rewards on dining and entertainment items.

Wells Fargo Propel American Express®

  • 3% balance transfer fee during 15 month introductory period and 5% fee after that.
  • Earn 3x points at gas stations, 2x points at restaurants, 1x on virtually all other net purchases, although points expire after 5 years.
  • Applicants who have opened a Wells Fargo credit card account in the last 16 months will not receive the introductory APR rates.

Wells Fargo Cash Wise Visa®

  • Receive unlimited 1.5% cash rewards on net purchases.
  • Use your Wells Fargo Debit or ATM card to redeem for cash at Wells Fargo ATMs.
  • Credit line may be affected if you have current Wells Fargo credit card

Wells Fargo Platinum Visa

  • Basic Visa credit card with generous 15 month 0% APR offer.
  • Free cell phone protection up to $600 ($25 deductible) on phones purchased with Wells Fargo credit card.
  • Free access to your FICO® Credit Score with Wells Fargo Mobile® Banking.

Home Depot Credit Card

Make total purchase of $299 or more and pay no interest for the first 6 months with your Home Depot credit card.

Home Depot Credit CardMinimum payments based on an APR of 8% are required and are applied to reduce your outstanding balance.

The remaining balance must be paid in full by the sixth month to avoid further interest charges of 17.99% to 26.99%.

Should a customer change their mind about a purchases made with the Home Depot credit card, they can return the item for a refund up to a full year after they bought it. For details refer to their return policy.

Select cardholders may receive financing offers of up to 24 months at zero interest on a purchase of $1,999 or more even more. These are limited-time promotions promotions only, which expire quickly.

Use the card with confidence knowing you are protected by a fraud protection policy that any unauthorized purchases will not be charged against your account.

Using the card makes keeping track of expenses for items bought at Home Depot a breeze, should you need to know what you bought, when you bought it and how much you paid.

Refer to credit card application for special  offers on flooring, riding mowers, building materials, water treatment, heating and air conditioning.

Free shipping on items over $45 and check out the DAILY SPECIALS available at

The card comes at no annual fee for the benefits you receive.

The Home Depot credit card can be linked to a Fuel Rewards Program where members save $0.10 per gallon for to every $100 they spend at Home Depot. Purchases are added up over time so your discounts on gas increase as you spend more.

Not all gas stations participate in the Fuel Rewards Program, so check the list of Home Depot Fuel Perk destinations where to redeem the $0.10 a gallon rebate.

On the application link below, there is an option to see whether you pre-qualify for a card without having a credit check done on your finances.

Apply here for your Home Depot Credit Card.

As usual when applying for any line of credit or loan, your credit limit will be determined by your yearly income or assets and a review of your credit report. If approved, you will be informed of your credit limit when you receive your card.