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.

State Farm Rewards Credit Card

Save 3% on insurance premiums (up to $4,000) with the State Farm Rewards credit card.

state_farm_rewards_visa_cardPay your auto, home, life, medical, liability, etc. insurance bills and get rewarded with 300 points for every 100 dollars you spend.

Earn 100 points per $100 spend on all other purchases made with your State Farm cash back rewards card (certain restrictions apply).

You can redeem points for gift cards at select retailers, e-certificates, catalog merchandise, air travel, hotels, and eligible State Farm products, which includes checking and savings accounts that earn redemption premiums 25,000 points and above.

Points Redeemed / Premium

  • 0-24,999 points — No Premium
  • 25,000 – 49,999 — 25% Premium
  • 50,000 – 99,999 — 35% Premium
  • 100,000 – greater — 50% Premium

You can also use your points as a gift, or transfer your points between State Farm Loyalty Rewards accounts that you own, or to another State Farm Loyalty Rewards account holder.

Best of all, the State Farm VISA card 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 empty your emergency savings account.

Other features include

  • Access to our financial management tools
  • 24/7 good neighbor service
  • Online and mobile access anytime
  • Worldwide Visa credit card acceptance and cash access via ATMs
  • Account Fraud Monitoring
  • Visa $250,000 Travel Accident Insurance
  • Visa Auto Rental Collision Damage Waiver
  • Visa Travel and Emergency Assistance Services
  • Visa Warranty Manager Service
  • Visa Zero Fraud Liability
  • Visa Shopping and Travel discounts
  • Paperless statement option
  • Text alerts for security and reminders
  • Automatic payments so you never miss a payment
  • Free Pocket Agent app to access your account

The fine print (subject to change):

  • Annual fee: $0
  • Introductory 0% financing for one year
  • No interest if balance paid in full with 24 days
  • Fee Balance Transfer: 3% ($10 min)
  • Fee Cash Advance: 4% ($10 min)
  • Fee Foreign Transaction: 3%
  • Fee Late Payment: up to $37
  • Fee Returned payment: up to $37
  • APR: 13.49% to 20.49%
  • APR Cash Advances: 20.49%

For details and application visit the State Farm Loyalty Rewards Program web page.