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American College of Physicians Credit Card

American College Physicians Credit Card

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.

TERMS & BENEFITS

  • 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.”

Discover It Cash Back Credit Card

discover-it-credit-card

Great Discover It 5% rebate categories starting January 1, 2021

From January 1 to March 31 Discover cardholders earn 5% cash back rewards:

  • Grocery stores
    • stand alone point-of-sale terminals inside building
    • Walmart grocery pick-up and delivery
    • Target grocery isn’t eligible
    • Convenience stores (7-11, Dollar Tree, etc.) and gas stations aren’t eligible
  • Walgreens stores or Walgreens.com
  • CVS stores or CVS.com

Rare opportunity:  5% cash back on gift cards
and Walmart.com grocery pick up orders.

There is a $1,500 max spend for the 5% rebate program. Amounts over that get only 1% rewards, which limits the extra cash back to no more than $120 per quarter. But that can add up to a bonus of $480 for the first year.


New Account Incentives

  1. Get 0% financing on all your purchases for 14 months from the date of account opening to help spread out the bill for a large purchase, plus the rewards.
  2. 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 complete, there will be no match.


How to redeem your rewards

  1. Statement credit no minimum amount to qualify
  2. Direct deposit to your bank account
  3. Use on purchases at Amazon.com
  4. Buy featured gift cards with $5 added to certain ones, e.g. a Dell $50 gift card can obtained with only $45 cash rewards
  5. Donate to participating charities

Discover it Credit Card Benefits

Get cash over your purchases, up to $120 per purchase every 24 hours, without ATM fees, at select retail locations, such as Food Lion, Harris Teeter, Walmart

  • 24/7 U.S. based customer service
  • 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
  • $0 fraud liability guarantee on unknown purchases
  • Free monthly FICO scores to monitor your credit rating
  • Text alerts on account activity
  • Free Social Security number and new account alerts in case of unauthorized access
  • Automatic payments available so you never miss a payment
  • Paperless statement option
  • Year-end expense report and summary

The fine print (subject to change)

  • Annual fee: $0
  • No interest if balance paid in full with 25 days
  • Regular purchase APR 11.99% to 22.99%
  • Fee for balance transfer: 5% ($5 min)
  • Fee for cash advance: 5% ($10 min)
  • Fee for foreign transaction: 0%
  • Fee for late payment: $0 first time; $40 after that
  • Fee for returned payment: up to $40
  • Fee for going over credit limit: $0