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Choosing A Credit Card: The Deal is in the Disclosures

Choosing A Credit Card: The Deal is in the Disclosures

Fees, charges, interest rates, and benefits can vary among credit card issuers. As a result, some credit cards that look like a great deal at first glance may lose their appeal once you read the terms and conditions of use and calculate how the fees could affect your available credit.

Orchard Bank Classic MasterCards

The Orchard Bank Platinum MasterCard® is ideal for applicants who want a credit card to help their credit history, but without the requirement of a security deposit.

HSBC Platinum MasterCard® with Cash Back Rewards

Through the rewards program, cardholders earn unlimited 1% cash back rewards for every dollar spent on purchases. Cardholders who do not qualify for the 1% cash back rewards will be considered for 2% cash back reward.

Tribute® Gold MasterCard® Credit Card

The Tribute® MasterCard® Gold Card, issued by First Bank of Delaware, is designed for those who only require the basic functions of a credit card, but would like to have their account reported to the credit bureaus.

Continental Finance Gold MasterCard®

The main benefit of this unsecured credit card is that it reports to credit bureaus. This is a rare opportunity for those with poor credit who would otherwise only qualify for secured or prepaid cards, which often do not report to credit bureaus or charge fees to report to credit bureaus.

Discover® More(SM) Card - Monogram

The Discover® More (SM) Card – Monogram is perfect for a person with very good credit looking for a card that can earn cash rewards. The card also features personalized designs which displays the cardholder’s intial(s) on the card’s face.

Discover® Open Road(SM) Card for Students

Through the reward program, students can earn a 5% rebate on gas and auto maintenance expenses. In addition, cardholders earn up to 1% for general purchases.

Discover® Business Miles Card

Through the travel reward program, account holders can earn double miles on up to $5,000 in travel and gas purchases and up to one mile for every dollar spent on general purchases. Miles earned with the Discover® Business Miles Card can be redeemed for airfare or reduced airfare on most major U.S.-based airlines with the added benefit of no travel restrictions.

Discover® Motiva(SM) Card

The Discover® Motiva(SM) Card, issued by Discover, is designed for those with very good credit who are looking to earn cash rewards by paying on time and making purchases.

Discover® Student Card - Monogram Collection

Through the reward program, students can earn a 5% rebate for purchases made in popular categories that change four times a year like travel, gas, restaurants, movies, and more. In addition, cardholders earn up to 1% for general purchases.