Capital One Platinum MasterCard

Regular APR: 16.90%
Introductory APR: 0% (Until 5/2010)
Annual Fee: $0
Card Strength: Miles
Credit Needed: Good

Get the Capital One Platinum MasterCard and earn up to 25% more miles than competing miles credit cards.

  • Earn 1.25 miles for each dollar spent on purchases
  • No limit on the miles you can earn and miles don’t expire
  • No annual fee

Intro Offer Rack up rewards faster than other miles cards
Interest Rate 0% APR until May 2010 on purchases

16.90% variable on purchases
Balance Transfer Regular APR

No balance transfer fees
Cash Advance 24.90%

Cash Advance Fee: 3% of advance, but not less than $10
Rewards Details

  • 1.25 miles for every dollar spent on purchases
  • No limit on the miles you can earn and miles don’t expire
  • No blackout dates and no seat restrictions
  • Use miles for Travel, Merchandise, Gift Cards and more
  • Book travel with any airline, hotel, cruise line, or rental car company

Other Fees Late Payment Fee based on amount of account balance when fee is applied.

  • $0 – $99.99 = $15 fee
  • $100 – $249.99 = $29 fee
  • $250 or more = $39 fee
  • Over-Limit Fee based on amount of credit limit when fee is applied.
  • $0 – $499.99 = $19 fee
  • $500 – $999.99 = $29 fee
  • $1,000 or more = $39 fee.

Online Account Management 24/7 customer support and online account service
Consumer Protection

  • $0 Fraud Liability if your card is lost or stolen
  • Travel Accident Insurance
  • 24-Hour Travel and Emergency Assistance
  • Emergency card replacement or cash advance

In Short: More miles per dollar than most airline miles cards


BuyRIGHT Prepaid MasterCard

Regular APR: NA
Introductory APR: NA
Annual Fee: $0
Card Strength: Rebuilding Credit
Credit Needed: Bad Credit

Rebuild your credit using the BuyRIGHT prepaid MasterCard, features online bill pay to pay your bills, activity alerts, and more.

  • Online money management tools
  • Free direct deposit
  • Free activity alerts

In Short: Get a card to rebuild your credit that has guaranteed approval, and no credit check required.


American DreamCard MasterCard

Regular APR: 14.99% – 21.99%
Introductory APR: NA
Annual Fee: 0$
Card Strength: Sweepstakes
Credit Needed: Good

The American DreamCard™ MasterCard® is the first and only “Pooled Rewards™” Credit Card. Get a chance to win a large cash jackpot just for using your card.

  • Receive 1,000 Sweepstakes Entries just for applying
  • Earn entries from everyday shopping — more entries mean more chances to win
  • Large monthly cash jackpots — new winner every month


AccountNow Prepaid MasterCard

Regular APR: NA
Introductory APR: NA
Annual Fee: 119.40 ($9.95/Month)
Card Strength: Rebuilding Credit
Credit Needed: Bad Credit

This card allows you to borrow money and build credit history with no minimum balance and no overdraft fees.

  • One low monthly fee of $9.95
  • Easily deposit your paycheck and pay bills for free
  • Free Online Bill Pay and free Credit Builder help build credit worthiness

Intro Offer Borrow money and build credit history
Interest Rate N/A
Annual Fee $9.95/mo
Additional Benefits

  • Deposit paycheck and pay bills for free with AccountNow prepaid account
  • Protected from unauthorized purchases with MasterCard’s Zero Liability protection
  • Access cash at over one million ATMs worldwide
  • Build credit worthiness by reporting your payment history to PRBC®, a national credit reporting agency

In Short: Borrow money and build credit history


Citi PremierPass Elite

Regular APR: 13.24%
Introductory APR: NA
Annual Fee: $75.00
Card Strength: Event Tickets
Credit Needed: Good

Citibank card to earn you points or miles towards travel or purchases with access to special events.

Earn both miles and points toward airfare and purchases. Any airline, anytime, no blackout dates!

  • Get a complimentary ticket every time you buy a qualifying ticket
  • Get 1 Flight Point for every mile flown
  • 2 Purchase Points for every dollar spent on purchases made at supermarkets, drug stores, gas stations & more

Intro Offer Get one Flight Point for every mile flown
Interest Rate 13.24% on regular purchases
Annual Fee $75
Balance Transfer Regular APR

3% of each balance transfer; $5 minimum.
Cash Advance Prime + 16.99%, but never lower than 21.99%

3% of each cash advance; $5 minimum.
Rewards Details

  • 20,000 bonus points after $600 in purchases made within 3 months
  • 1 Flight Point for every mile flown
  • 2 points for every dollar spent on everyday purchases and 1 point for all other purchases
  • 1 point for every mile friends and family fly on tickets purchased with your card
  • Unlimited Complimentary Companion Travel (minimum fare requirements apply)
  • Online Services, including account management, statements, unbilled activity, and faster payments

Other Fees Late Payment fee: $15 on balances up to $100; $39 on balances of $250 and over

Additional Benefits

If you are approved for a Card Account, a ThankYou® Network Member Account will be set up for you.

Online Account Management Yes
Consumer Protection

  • Price protection (get a refund on the price difference if an item price changes within 60 days of purchase)
  • Retail purchase protection (against theft, fire, or accidental breakage)
  • Citi identity theft solutions including Citi Photocards

Bottom Line This card gives you points for purchases and flights


Eufora Elite Prepaid MasterCard

Regular APR: NA
Introductory APR: NA
Annual Fee: $29
Card Type: Rebuild Credit
Credit Needed: Fair

The Eufora Prepaid MasterCard® with Credit Builder is the only prepaid MasterCard that helps you build or re-build your credit. Only $10 gets you started today!

  • FREE Direct Deposit
  • FREE Point of Sale Transactions
  • FREE 24/7 Online Access

Intro Offer Build your credit and save money
Interest Rate N/A

N/A on purchases
Annual Fee As low as $29.95
Rewards Details

  • BUILDS CREDIT! Reports to Credit Bureaus
  • 100% Guaranteed Approval* with No Credit Check – Perfect for Bad Credit or No Credit
  • FREE Direct Deposit
  • FREE Point of Sale Transactions
  • FREE 24/7 Online Access
  • FREE Live Customer Support
  • Reload at Thousands of Retail Locations Nationwide with a $5000 Maximum Value
  • Safer than Cash
  • Cash Reward Program

*See terms and conditions
Online Account Management Yes
In Short: Save money with a great cash reward program


New Millennium Bank Secured Black Diamond MasterCard

Regular APR: 19.50%
Introductory APR: NA
Annual Fee: $59.00
Card Strength: Rebuilding Credit
Credit Needed: Bad Credit

Build or rebuild your credit the smart way with a secured credit card.

  • No credit check
  • Total credit limit up to $10,000
  • Reports to all 3 bureaus

Intro Offer Build or rebuild your credit with a secured card
Interest Rate 19.50% on regular purchases
Annual Fee $59
Cash Advance

  • APR: 19.50%
  • Cash Advance Fee :2% of advance (min. $1.00)

Rewards Details

  • Approved regardless of credit history
  • Total credit limit up to $10,000
  • Get cash at over 740,000 ATMs
  • Accepted wherever MasterCard® is accepted
  • Special high introductory savings rate

Consumer Protection

  • FDIC Insured
  • Emergency cash transfers
  • Auto rental insurance
  • Extended warranty protection

In Short: Get approved regardless of credit history or income


New Millenium Bank Secured Gold Visa

Regular APR: 19.50%
Introductory APR: NA
Annual Fee: $59.00
Card Strength: Rebuilding Credit
Credit Needed: Bad Credit

Build or rebuild your credit the smart way with a secured credit card.

  • No credit check
  • Total credit limit up to $10,000
  • Reports to all 3 bureaus

Intro Offer Build or rebuild your credit with a Secured card
Interest Rate 19.50% on regular purchases
Annual Fee $59
Cash Advance

  • APR: 19.50%
  • Cash Advance Fee :2% of advance (min. $1.00)

Rewards Details

  • Approved regardless of credit history
  • Total credit limit up to $10,000
  • Get cash at over 740,000 ATMs
  • Accepted wherever MasterCard® is accepted
  • Special high introductory savings rate

Consumer Protection

  • FDIC Insured
  • Emergency cash transfers
  • Auto rental insurance
  • Extended warranty protection

In Short: Be approved regardless of credit history or income


Next Millennium Black MasterCard

Regular APR: 19.50%
Introductory APR: NA
Annual Fee: $59.00
Card Strength: Rebuilding Credit
Credit Needed: Bad Credit

Raise your credit score by paying off bills linked to a savings account. Rest easy knowing that you have the money to back up your purchases.

  • Approval guaranteed
  • Secured credit limit of up to $5,000
  • No credit check

Intro Offer Get a secured line of credit of up to $5000
Interest Rate 19.50% on regular purchases
Annual Fee $59
Cash Advance

  • APR: 19.50%
  • Cash Advance Fee :2% of advance (min. $1.00)

Rewards Details

  • Approved regardless of credit history
  • Secured credit limit of up to $5,000.00
  • Get cash at over 740,000 ATMs
  • Accepted wherever MasterCard® is accepted

Consumer Protection

  • FDIC Insured

Bottom Line Rebuild credit and get MasterCard benefits


Citi Platinum Select

Regular APR: 10.99%
Introductory APR: 0% (12 Months)
Annual Fee: $0
Card Strength: Low APR
Credit Needed: Good
Bank: FIA Card Services, N.A.

Build a solid credit history and enjoy the benefits you deserve with no annual fee.

  • No Annual fee
  • 0% APR on purchases and balance transfers for up to 12 months
  • $0 liability

Intro Offer 0% APR on purchases & balance transfers for up to 12 months
Interest Rate 0% APR for up to 12 months

As low as 10.99% on purchases
Balance Transfer 0% APR for up to 12 months, regular APR thereafter.

3% of the amount of each balance transfer, $5 minimum
Cash Advance Prime + 16.99%, but never lower than 21.99%

3% of the amount of each cash advance, $5 minimum
Online Account Management Yes
Consumer Protection

  • Citi® Identity Theft Solutions
  • Travel & emergency assistance
  • Secure, free online account management
  • Retail Purchase Protection

In Short: Get the purchasing power you need


NatWest Black Card

In 2002, NatWest bank in the United Kingdom launched their own Black Card, which is only available to customers with an income of £75,000 or above and over 25 years of age. Approval is subject to status and conditions. The NatWest Black Card has an annual fee of £250, with a minimum credit limit £15,000. The card has a typical 51.8% APR (variable), and cardholders are therefore advised to make more than minimum balance payments. Benefits of the card include personal assistance for gift-shopping and event planning; executive airport lounge access; NatWest YourPoints redeemable for flights; roadside assistance throughout the UK and Europe; card and purchase protection; travel insurance; exclusive offers and access to prestigious events; and, home emergency coverage.

natwest_black

Visa Black Card

Visa and Barclay’s recently introduced the Visa Black Card (December 2008). The Visa Black Card joins the elite luxury credit card space, offering the 1% or less who are approved special access to concierge and rewards services. The Visa Black Card is made from Carbon Graphite (lightweight, strong, heat resilient), and includes benefits only available to privileged card holders. Visa Black Cards most notable feature is their premium concierge service, that competes with Circle found on American Express and Virtuoso found on MasterCard World Elite.

The Visa Black Card currently offers an introductory 0% Balance Transfer for 6 months, following thereafter with Standard APR of Prime + 9.99 (Presently 13.99%). Cash Advances are Prime + 15.99% (Presently 19.99%).


Introducing the Exclusive Black Card

  • *1% cash back on purchases
  • One to one dollar spend for points that can redeemed for travel anytime
  • 24 Hour Premium Concierge Service
  • Exclusive Rewards Program
  • Luxury Gifts Program
  • Card Made From Patent Pending Carbon Graphite
  • Priority Pass Membership (Airport Club Access)
  • Annual Card Fee $495

Apply Online For The Visa Black Card


Sotheby’s World MasterCard


Sotheby’s World Elite Mastercard is available to individuals with over $2 million in assets, and offers access to your own Sotheby’s auctioneer. This card contains some truly high end benefits such as 24/7 concierge, airline companion tickets, airport lounge access, upgrades at hotels, resorts, spas, lodges, and villas.

Primary Benefits Include:

  • 24/7 concierge and travel consultation
  • Complimentary Business Class companion international air tickets
  • Upgrades from Economy to Business Class on international air travel
  • Global airport lounge access
  • Upgrades and amenities at 700+ top hotels, resorts, spas, lodges and villas
  • Complimentary shore excursions on 400+ luxury cruises annually

Additional Benefits Include:

  • Gratis admission to top museums for you and three guests
  • A subscription to Sotheby’s exclusive magazine, Preview, featuring the best of Sotheby’s seasonal auctions
  • Invitations to private exhibitions at Sotheby’s
  • Special pricing on Sotheby’s catalogues
  • Rewards Concierge to assist you with your rewards selection

Sample Rewards with Points Include:

  • A week exploring the artifacts of Southeast Asia including newly excavated and private areas of Angkor Wat
  • Charter air time with Marquis Jet
  • Three days in Italy behind the wheel of a different Ferrari each day
  • Private Wine Consultation. A Sotheby’s wine expert will assist you in stocking your cellar
  • Fly an Albatross Russian Fighter Jet