The Citi Upromise Card, issued by Citibank, is intended for use by those who have very good credit and want to take advantage of its built-in college savings reward program. Enrollment in the Upromise program allows cardholders to earn a 10% rebate on select purchases. With over 7,000 grocery and drugstore items, a 2% rebate on gasoline purchased at Exxon and Mobil, and a 1% rebate on other purchases, your account can quickly build up a nice college fund for the future.

The card has an introductory interest rate of 0% that also applies to any balance transfers and has no annual fee. The introductory rate is good for one year, and is followed by a variable rate of 11.99% on purchases, and a minimum of 19.9% on cash advances. Balance transfers requested after the introductory period are subject to a 3% charge with a minimum of $5 and maximum of $75. Other benefits of the Citi Upromise card include travel accident insurance up to $1000,000, auto rental insurance, and other services related to travel and emergency assistance. It also offers student discounts on selected products and services through participating merchants and retailers.

Participants in the rewards program can expect to receive between 1% and 10% in rebates with a maximum annual rebate of $300 on grocery and drug store items. Gasoline purchases are unlimited. Some of the other extra that a cardholder receives with this card include:

Access to your account online

Solutions to identity theft

Protection from fraud

Automatic payment of your bill

A year end financial statement if requested

No cardholder liability for unauthorized transactions

Your photo on the card (optional)

Travel and accident insurance up to $1,000,000

Insurance for car rental

Emergency assistance and travel services

Medical and legal referral services

Assistance with lost baggage

Replacement of lost cash

Emergency replacement of your card

Reporting of lost and stolen cards

Auto rental discounts

Student discounts at participating merchants and retailers

With the rewards program connected to this card, the minor disadvantages are but an inconvenience. What better way to save for college than by using your credit card? It’s simple, convenient, and it doesn’t have an annual fee.

For more information or to obtain the Citi Upromise Card application, Joshua Shapiro recommends Find Credit Cards.

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The Chase Platinum Visa is for those cardholders who have very good credit and want a platinum card that offers a good rewards program. The rewards program with the Chase Platinum Visa allows cardholders to earn one point for every dollar they spend on purchases. The points may then be redeemed for cash back, merchandise, travel, or gift cards. The points expire in five years, and cardholders are limited to earning 60,000 annually.

The card has no annual fee and has an introductory rate of 0% for purchases and balance transfers for the first twelve months for those who qualify. After the introductory period, the rate on purchase is a variable rte of 13.99% on purchases and 23.99% on cash advances based on the applicant’s credit history. In addition, there is a cash advance fee of 3% with a minimum of $10 and a balance transfer fee of 3% with a minimum of $5 and maximum of $75.

Since this card bases finance charges on a two cycle average daily balance, those who carry a large balance on a regular basis may find this card quite expensive compared to those that that calculate finance charges on the average daily balance method. This card is ideal, however, for those who have a good credit history, want to make use of the rewards program, and plan to take advantage of the many other services and benefits that are offered with the Chase Platinum Visa.

Some of the benefits that can be derived from the use of the Chase Platinum Visa include the following:

Online access to account information

No liability to cardholder for unauthorized transactions

Reporting of lost and stolen cards

Emergency replacement of cash and cards

Emergency assistance and travel related services

Travel accident insurance up to $500,000

Extended warranty for purchases made with the card

Insurance for car rental

Year end financial statement if requested

For more information or to obtain the Chase Platinum Visa application, Joshua Shapiro recommends Find Credit Cards.

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The Chase Home Improvement Rewards Card is the ideal choice in credit cards for those that plan to do home improvement projects. When you use this credit card to buy the necessary aspects of repairing or updating your home you are rewarded. If you need more incentive to get home improvement projects taken care of, this is the ideal method for obtaining those rewards. Consider the details of this credit card that is offered to those with average or better credit through Chase.

The Chase Home Improvement Rewards Card offers you twelve months of an introductory rate of 0%, which is a decent amount of time to reap these benefits. You will then have an APR starting at 13.99% for purchases and 23.99% for cash advances. In addition, you will have no annual fee and there is no limit to the amount that your credit limit can be. Little or big home improvement projects will be just fine if you are approved for a high credit limit here.

Yet, probably the most benefiting thing about the Chase Home Improvement Reward Card is that of the rewards program itself. You will earn one point per dollar. You can earn an additional 3 points per dollars pent on your home improvement purchases at various home improvement type stores. When you reach 2500 points, you can redeem them for a $25 gift certificate or opt for a $25 check to spend as you like. There are no expiration dates on rewards although you can only earn 60,000 points or 30,000 home improvement points per year.

In addition to these features, the Chase Home Improvement Reward Card provides for what you need in additional perks including emergency cash replacement, travel and emergency assistance programs, up to $500,000 in travel accident insurance, auto rental insurance as well as tips and contests for home improvement projects. There is no reason not to get more out of your home improvement projects with a credit card like this. Take some time to determine if this is the right credit card for you.

For more information or to apply for the Chase Home Improvement Rewards Card, Beth Derkowitz recommends Find Credit Cards.

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