Credit Card Applications, Reviews and Strategies Welcome to AbleCredit's comprehensive knowledge center and credit card comparison resource.      COMPARE credit cards           APPLY for the right credit card for you                LEARN credit strategies for good leverage Whether you are just looking for an unbiased tool to sort out the best credit cards for 0% APR, low APR, business use, reward deals or credit repair, or whether you really want to dive in and learn about how to use credit to increase your net worth and build your financial independence ---- this is your credit card site for you! Search, compare, choose and apply right here online.

New Article in the Resource Library: "Top 5 Credit Card traps that Card issuers lay for the 0% balance transfer jockey . . . and how to side-step them." -- By Kent Weber     READ THE ARTICLE

A sampling of top Credit Card Applications

Advanta Life-of-Balance Platinum Card

Intro APR Intro Period Regular APR Annual Fee N/A* N/A* 9.99%* None* 2.99% APR for Life of balances transferred within 3 months* Choice of 6% Cash Back on Bonus Qualifying purchases* or Travel Rewards No Annual Fee and No Limit on Earnings Get employee cards with no fee and set spending limits per user $0 Fraud Liability Personalized card -- your company name on the card, plus your logo. *see Terms & Conditions for important information, benefits and limitations

Advanta Platinum with Rewards Customized BusinessCard

Intro APR Intro Period Regular APR Annual Fee N/A* N/A* 7.99%* None* 0% APR for 15 Months on Balance Transfers, 7.99% Fixed APR thereafter* 7.99% Variable APR on Purchases Choice of 5% Cash Back on office supplies, gas and more* No Annual Fee and No Limit on Earnings Get employee cards with no fee and set spending limits per user $0 Fraud Liability Personalized card -- your company name on the card, plus logo or other image! *see Terms & Conditions for important information, benefits and limitations

Advanta Platinum BusinessCard

Intro APR Intro Period Regular APR Annual Fee 0%* 12 Months* 10.99%* None* 0% Intro APR on Balance Transfers and Purchases for 12 Months* Prime + 5.99% Variable APR thereafter Up to $50,000 Credit Line No Annual Fee Get employee cards with no fee and set spending limits per user $0 Fraud Liability Personalized card -- your company name on the card, plus your logo. *see Terms & Conditions for important information, benefits and limitations

Advanta Platinum BusinessCard with Rewards

Intro APR Intro Period Regular APR Annual Fee 0% BT Only* 15 Months* 7.99%* None* 0% APR for 15 Months on Balance Transfers, 7.99% APR thereafter* 7.99% Variable APR (based on Prime) on Purchases Up to 5% Cash Back on office supplies, gas and more* No Annual Fee and No Limit on Earnings Get employee cards with no fee and set monthly spending limits per user $0 Fraud Liability Personalized card -- your company name on the card, plus your logo. *see Terms & Conditions for important information, benefits and limitations

Chase Platinum Visa® Card

Intro APR Intro Period Regular APR Annual Fee 0%* 12 Months* 10.99%* None* 0% Intro APR for up to 12 months The time period for the introductory APR and the balances to which it will apply will be based on our review of your application and credit history No Annual Fee FREE Online Account Access FREE travel services including Auto Rental Collision Damage Waiver and Worldwide Travel Accident Insurance

Blue from American Express®

Intro APR Intro Period Regular APR Annual Fee 0%* Up to 15 Months* As Low As 7.99%* None* Membership Rewards ExpressSM program 0% APR on purchases for up to 15 months No Annual Fee Low Balance Transfer APR - 4.99% Fixed APR for the life of the balance. Blue is your launch pad to stand out shopping and entertainment rewards and one-of-a-kind experiences. Express Approval. Get a decision in less than 60 seconds.

Chase Freedom(SM) Credit Card

Intro APR Intro Period Regular APR Annual Fee N/A* N/A* 14.99%* None* Receive $50 after you make your first purchase 3% Cash Back in your top 3 everyday spending categories 1% cash back for every $1 you spend on all other purchases Receive an extra $50 each time you save and redeem $200 in rewards

Discover® More(SM) Card

Intro APR Intro Period Regular APR Annual Fee 0%* 12 Months* 10.99%* None* Earn more cash in more ways than anyone else(SM*) Unlimited cash rewards, automatically Up to 20% Cashback Bonus® when you shop online* Double rewards with more than 100 Cashback Bonus Partners* Customer Service in less than a minute, anytime you want 0% Intro APR for 12 months on Purchases and Balance Transfers

Blue Cash® from American Express

Intro APR Intro Period Regular APR Annual Fee 0%* 6 Months* As Low As 9.99%* None* Up to 5% Cash Back with Unlimited Cash Rewards Earn unlimited cash back 0% Intro APR for 6 months on purchases Low Balance Transfer rate - 4.99% fixed APR for the life of the balance No Annual Fee Express Approval. Get a decision in less than 60 seconds.

Chase Free Cash Rewards(SM) Visa® Card

Intro APR Intro Period Regular APR Annual Fee 0%* 12 Months* 10.99%* None* 1 point for every eligible dollar in purchases 1,000 Bonus Points after your first purchase Intro 0% Fixed APR for up to 12 months* No Annual Fee Get your rewards with as few as 2,500 points Choose from either a $25 check or a $25 gift card/certificate from leading national merchants for every 2,500 points earned

Discover® Open Road(SM) Card

Intro APR Intro Period Regular APR Annual Fee 0%* Up to 12 Months* 10.99%* None* 0% Intro APR for 6 months on Purchases, and 12 months on Balance Transfers Save at the pump and everywhere else.* 5% Cashback Bonus® on gas and auto maintenance purchases 5% to 20% Cashback Bonus at top online retailers* Up to 1% Cashback Bonus on all other purchases Unlimited cash rewards Increase, even double, the value of your rewards when you redeem for gift cards from our 100 Cashback Bonus Partners

Chase Flexible Rewards Platinum Visa® Card

Intro APR Intro Period Regular APR Annual Fee 0%* 12 Months* 10.99%* None* Why settle for a rewards credit card that limits your choice of rewards? With the Flexible RewardsSM Platinum Visa® card, you can earn 1 point for every eligible dollar spent and turn everyday purchases into extraordinary rewards: Merchandise - Choose from a variety of great brand name products. Travel - Earn airline tickets, hotel stays or car rentals. Cash back - Redeem 3,500 points and receive a $25 check. Gift cards - Get free stuff from your favorite stores and restaurants. Enjoy great rewards that you can redeem with as few as 2,500 points. Save even more with a 0% Intro APR for up to 12 months and no annual fee.

Chase PerfectCard™ MasterCard®

Intro APR Intro Period Regular APR Annual Fee 0%* 6 Months* 10.99%* None* 6% rebates on ALL eligible gas purchases at ANY gas station for the first 90 days 3% rebates on ALL eligible gas purchases at ANY gas station after the first 90 days 1% rebates on ALL other purchases made anywhere else 0% Intro APR for up to 6 months* No Annual Fee Earn rewards wherever the road takes you with the Chase PerfectCard. Rebates are automatically credited toward future purchases made on your card.

Miles by Discover® Card

Intro APR Intro Period Regular APR Annual Fee 0%* 6 Months* 10.99%* None* A Miles card with no annual fee! No blackout dates Double Miles on food and travel, up to $3,000 each year 1 Mile for every $1 you spend Unlimited Miles while your account is active 0% Intro APR*

Blue Sky from American Express

Intro APR Intro Period Regular APR Annual Fee 0%* 6 Months* as low as 9.99%* None* Earn points on everything you buy with the Card. Redeem points to save on any airline, hotel, rental car or cruise - up to $100 off for every 7,500 points. Earn 1 point for every dollar you spend Travel anytime: No blackout dates or restrictions No annual fee and 0% intro APR for 6 months World class cardmember benefits including Travel Accident Insurance, Buyers Assurance Plan, and Return Protection Express Approval. Get a decision in less than 60 seconds.

Discover® Motiva(SM) Card

Intro APR Intro Period Regular APR Annual Fee 3.9%* Up to 12 Months* 10.99%* None* Cash Rewards for your good credit management!* Get a Pay-On-Time BonusSM equal to a full month’s interest every time you make 6 on-time payments in a row—twice a year, every year 5% to 20% Cashback Bonus® at top retailers through our exclusive online shopping site Up to 1% Cashback Bonus on all other purchases Unlimited cash rewards Increase, even double, your rewards when you redeem for gift cards from our 100 Cashback Bonus Partners 3.9% Intro APR for 6 months on Purchases, and 12 months on Balance Transfers

One from American Express®

Intro APR Intro Period Regular APR Annual Fee N/A* N/A* As Low as 10.99%* $35* No Pre-Set Spending Limit Get $50 after your first purchase Earn a competitive Annual Percentage Yield (APY), currently 2.75% (variable rate as of 4/15/2008). Never pay interest on new purchases The Savings Accelerator(SM) Plan contributes 1% of eligible purchases into an FDIC-insured High-Yield Savings Account in your name No annual fee for the first year - A $35 savings Express Approval. Get a decision in less than 60 seconds.

Clear from American Express®

Intro APR Intro Period Regular APR Annual Fee 0%* Up to 12 Months* 10.99%* None* No fees of any kind. No annual fee, no late fees,no over-limit fees, no balance transfer fees, no cash advance fees. Automatic Rewards. You'll get an American Expressbranded shopping card worth $25 delivered straight to your door everytime you spend $2,500.  Flexible PaymentTerms. You can pay in full, or carry a balance. The choice is yours. Flexibility to pay over time  No annual fee and 0% intro APR for up to 12months. World class Cardmember benefits includingPurchase Protection Plan, Buyers Assurance Plan, and ReturnProtection. Express Approval. Get a decision inless than 60 seconds.

Chase TravelPlus Visa® Card

Intro APR Intro Period Regular APR Annual Fee 0%* 12 Months* 14.99%* None*   Earn 2 miles per $1 on travel purchases Earn 1 mile per $1 on all other purchases Annual rewards fee of $29 Redeem for airline tickets, cash, gift cards and more! Intro 0% Fixed APR for up to 12 months

IN: CHICAGO® Card from American Express

Intro APR Intro Period Regular APR Annual Fee 0%* 6 Months* As Low As 8.99%* None* Earn one INSIDESM Rewards point for virtually every eligible dollar you spend, whether you're in Chicago or not. Points have no expiration date and you can redeem points for rewards in Chicago, New York and Los Angeles. 0% APR for 6 months No Annual Fee

IN: LA® Card from American Express

Intro APR Intro Period Regular APR Annual Fee 0%* 6 Months* As Low As 8.99%* None* Earn one INSIDESM Rewards point for virtually every eligible dollar you spend, whether you're in Los Angeles or not. Points have no expiration date and you can redeem points for rewards in Los Angeles, Chicago and New York. 0% APR for 6 months No Annual Fee

IN: NYC® Card from American Express

Intro APR Intro Period Regular APR Annual Fee 0%* 6 Months* As Low As 8.99%* None* Earn one INSIDESM Rewards point for virtually every eligible dollar you spend in New York City. Points have no expiration date and you can redeem points for rewards in New York.  0% APR for 6 months No Annual Fee

Discover® More(SM) Card - Clear

Intro APR Intro Period Regular APR Annual Fee 0%* Up to 12 Months* 10.99%* None* Earn more cash in more ways than anyone elseSM* Unlimited cash rewards, automatically Up to 20% Cashback Bonus® when you shop online* Double rewards with more than 100 Cashback Bonus Partners* Customer Service in less than a minute, anytime you want 0% Intro APR for 6 months on Purchases, and 12 months on Balance Transfers

Discover® More(SM) Card - American Flag

Intro APR Intro Period Regular APR Annual Fee 0%* Up to 12 Months* 10.99%* None* Earn more cash in more ways than anyone elseSM* Unlimited cash rewards, automatically Up to 20% Cashback Bonus® when you shop online* Double rewards with more than 100 Cashback Bonus Partners* Customer Service in less than a minute, anytime you want 0% Intro APR for 6 months on Purchases, and 12 months on Balance Transfers

Discover® More(SM) Card - Sealife Collection

Intro APR Intro Period Regular APR Annual Fee 0%* Up to 12 Months* 10.99%* None* Earn more cash in more ways than anyone elseSM* Unlimited cash rewards, automatically Up to 20% Cashback Bonus® when you shop online* Double rewards with more than 100 Cashback Bonus  Partners* Customer Service in less than a minute, anytime you want 0% Intro APR for 6 months on Purchases, and 12 months on Balance Transfers

Discover® More(SM) Card - Wildlife Collection

Intro APR Intro Period Regular APR Annual Fee 0%* Up to 12 Months* 10.99%* None* Earn more cash in more ways than anyone elseSM* Unlimited cash rewards, automatically Up to 20% Cashback Bonus® when you shop online* Double rewards with more than 100 Cashback Bonus Partners* Customer Service in less than a minute, anytime you want 0% Intro APR for 6 months on Purchases, and 12 months on Balance Transfers

Pulaski Bank Visa Gold

Intro APR Intro Period Regular APR Annual Fee 0% BT Only* 6 Months* 8.00%* None* 8.00% APR Low Rate No Annual Fee 0% Balance Transfers

Chase Platinum MasterCard®

Intro APR Intro Period Regular APR Annual Fee 0%* 12 Months* 10.99%* None* 0% Intro APR for up to 12 months The time period for the introductory APR and the balances to which it will apply will be based on our review of your application and credit history No Annual Fee Interest-free grace period when you pay your bill in full each month FREE Online Account Access FREE travel services including Auto Rental Collision Damage Waiver and Worldwide Travel Accident Insurance

Credit Card Strategies: What is really available to you?
an introduction by Kent Weber, editorial director

Most people miss the investment opportunity that a well managed credit card strategy can facilitate. Credit cards are most often viewed as only the negative crutches of the desperate. For the undisciplined or inexperienced user, perhaps they should be shunned. Badly managed credit, can certainly get you in trouble in a hurry. But used strategically, a credit card is the crescent wrench in the savvy wealth-builders toolbox, a versatile low-risk tool that can help you with that next piece of property, accelerate your mortgage payoff, produce short-term income from a several point spread on money you loan out, or any of a number of legitimate business exercises.

The credit card issuers make billions of dollars every year targeting the undisciplined. This is so profitable for them, they barely even pay attention to the handful of credit consumers (like you, like the ones reading this site) who use their zero and low interest offers as a continuously renewing fountain of nearly-free investment capital to accelerate their net worth. There is surprising power in the leverage of credit cards.

Ready to start using smart leverage on your way to financial freedom? Start with our short list of introductory articles below. And as you embark on this journey, just remember that credit is always heavily individualized. One size or strategy does not fit all, and the same credit event can effect two different credit profiles very differently. What follows in alot of our articles is advice you won't find any where else. It is sometimes contrarian and situation-specific. It represents collected knowledge and strategies that have worked for myself and on hundreds of our clients' credit reports that we have helped monitor and optimize. Good luck!

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