True Earnings® Card from Costco and American Express
•
Earn cash back on gas and a $25 statement credit with your first purchase made with the Card.
•
Earn cash back virtually everywhere you go - 3% for annual gasoline purchases of up to $3,000 (1% thereafter), 3% for restaurants, 2% for travel, 1% everywhere else, including Costco.
5% cash back in quarterly bonus categories like gas, home improvement and department stores, subject to quarterly maximum. Signing up is free and easy!
Earn 10,000 Membership Rewards® bonus points when you spend $500 in your first 3 months of Card membership - redeemable for select gift cards valued at $100!
•
The Membership Rewards program - Turn your everyday purchases into Membership Rewards points, and then redeem them for an amazing collection of travel, shopping, dining and entertainment rewards.
•
Gold Card Events - exclusive access to tickets for select concerts, shows, major sporting events, and more in cities nationwide.
Platinum Delta SkyMiles® Credit Card from American Express
•
Earn 20,000 bonus SkyMiles® (including 5,000 Medallion Qualification Miles) after first purchase and another 2,500 for adding an Additional Cardmember.
•
Earn one companion Coach Class ticket each year upon renewal.
•
Earn at least 1 mile for every eligible dollar spent.
3-2-1 Points: Earn Membership Rewards® points up to three times as fast: You can earn 3X points on airfare, 2X points on gas and groceries, and 1X points on everything else.
•
No annual fee for your first year, a savings of $175.
•
Earn 15,000 Membership Rewards bonus points when you spend $1,000 in your first 3 months of Card membership.
0% intro APR on purchases for 6 months and no annual fee.
•
Flexibility to pay over time.
•
Turn purchases into free travel: Enjoy travel rewards with no travel restrictions or blackout dates - get points for flights on any airline, stays at any hotel, and car rentals with any company.
5% Cashback Bonus® in categories that change like travel, department stores, gas, groceries, restaurants, and more means extra money for you, and extra toppings for your pizza.
•
5% to 20% Cashback Bonus at our exclusive (as in you need to be on the list) online shopping mall.
•
Up to 1% unlimited Cashback Bonus on everything else you buy - from textbooks to toothpaste, automatically.
Build your credit with our contest-winning student card design - 250,000 votes on 7,000 submissions resulted in the new Mix Tape. Get yours today!
•
5% Cashback Bonus® in categories that change like travel, department stores, gas, groceries, restaurants, and more means extra money for you, and extra toppings for your pizza.
•
5% to 20% Cashback Bonus at our exclusive (as in you need to be on the list) online shopping mall.
5% Cashback Bonus® in categories that change like travel, department stores, gas, groceries, restaurants, and more means extra money for you, and extra toppings for your pizza.
•
5% to 20% Cashback Bonus at our exclusive (as in you need to be on the list) online shopping mall.
•
Up to 1% unlimited Cashback Bonus on everything else you buy - from textbooks to toothpaste, automatically.
some credit cards also have annual fees, which can run as high as $75-$100. Fortunately, the majority of credit card offers for students have an annual fee of $0. Think of it as membership fee, which is tacked onto your balance once a year just for having the credit card. You are expected to pay this fee, and it will collect interest as part of your balance owed. However, if you pay your balance owed by the due date, you will not have to pay any interest
What is "Grace Period"?
A free period -- also called a "grace period" -- allows you to avoid the finance charge by paying your current balance in full before the "due date" shown on your statement. Knowing whether a credit card plan gives you a free period is especially important if you plan to pay your account in full each month. If there is no free period, the card issuer will impose a finance charge from the date you use your credit card or from the date each credit card transaction is posted to your account. If your credit card plan allows a free period, the card issuer must mail your bill at least 14 days before your payment is due. This is to ensure that you have enough time to make your payment by the due date.
How important is the Balance Computation Method for Finance Charges?
If your plan has no free period, or if you expect to pay for purchases over time, it is important to know how the card issuer will calculate your finance charge. This charge will vary depending upon the method the card issuer uses to figure your balance. The method used can make a difference, sometimes a big difference, in how much finance charge you will pay -- even when the APR is identical to that charged by another card issuer and the pattern of purchases and payments is the same.
Do I have a right to know whats in my report?
Yes, if you ask for it. The CRA must tell you everything in your report, including medical information, and in most cases, the sources of the information. The CRA also must give you a list of everyone who has requested your report within the past year?—two years for employment related requests.
Pay by Phone
If you are in doubt whether your payment will arrive on time, you may call your credit card issuer and make a payment by phone. It may cost you anywhere from $5 to $30, but you will avoid paying a much more costly late fee. To make a payment by phone, all you need to provide is your bank?’s account and routing numbers, printed on the bottom of your check and a check number you wish to use. Remember, however, that you will not be able to use a check, whose number you had used for credit card payment.
Take a good look at your Pre-Approved Credit Card Offers
Chances are you have received offers in the mail asking if you would like to open credit card accounts. Frequently, these offers say that you have been "pre-approved" for the card, with a line of credit already set aside for your use. Typically, these offers urge you to accept quickly, "before the offer expires." However, before accepting a credit card offer, understand the cards credit terms and compare costs of similar cards to get the features and terms you want.
Previous Balance
Previous Balance. As the name suggests, this balance is simply the amount that you owed at the end of the previous billing period. Payments, credits, or new purchases made during the current billing period are not taken into account. Some creditors also exclude unpaid finance charges in computing this balance. If you do not understand how the balance on your account is computed, ask the card issuer. (An explanation of how the balance was determined must appear on the billing statements the card issuer provides you and on applications and pre-approved solicitations the card issuer may send you.)
Why Does APR fluctuate?
some credit card plans allow the card issuer to change the annual percentage rate on your account when interest rates or other economic Indicators (called indexes) change. Because the rate change is linked to the performance of the index, which may rise or fall, these plans are commonly called "variable rate" plans. Rate changes raise or lower the amount of the finance charge you pay on your account. If the credit card you are considering has a variable rate feature, the card issuer must tell you that the rate may vary and how the rate is determined, including which index is used and what additional amount (the "margin") is added to the index to determine your new rate. You also must be told how much and how often your rate may change.
Do I have a right to know whats in my report?
Yes, if you ask for it. The CRA must tell you everything in your report, including medical information, and in most cases, the sources of the information. The CRA also must give you a list of everyone who has requested your report within the past year?—two years for employment related requests.
Credit History
A credit report is a history of your credit reported by credit bureaus. This report shows your credit history, including payment history and total debt owed. It can be accessed by anyone considering lending you money. It may also be accessed by employers, car dealers and landlords. This report shows your ability (or lack of) to pay on debts owed. A good credit history can help you buy a house one day, get a low payment plan on a new car you want buy, or simply convince a prospective landlord to rent you an apartment. If your credit history shows late payments and other negative items, you can find yourself unable to do any of these things. Or, for example, you may be able to finance a car, but it will have very high interest rates and cost you a lot more money
