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Credit Card Offer : Shop Around

Credit Card Offer : Shop Around. Greg Bush and James Colpean. Miles by Discover Card. Travel your way. Terms and Conditions: Up to 5% added to APR every time late payment made If account is closed/inactive for 18 months, all travel rewards lost No grace period on balance transfers.

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Credit Card Offer : Shop Around

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  1. Credit Card Offer:Shop Around Greg Bush and James Colpean

  2. Miles by Discover Card Travel your way • Terms and Conditions: • Up to 5% added to APR every time late payment made • If account is closed/inactive for 18 months, all travel rewards lost • No grace period on balance transfers

  3. Miles by Discover Card • Rewards: • 12,000 Bonus Miles (12,000 is the cap) • Double Miles on first $3,000 for travel (2 miles per $) and 1 mile per dollar past $3000 • Unrestricted travel through any airline, travel agent, or travel website

  4. Miles by Discover Card • Fees • $10 of 5% on cash advance (whichever amount is greater) • $35 Return Fee • $35 Late Payment Fee • No Annual Fee

  5. Gold Delta Skymiles Extended warrantee on card purchases. • Terms and Conditions: • If there are additional “cardmembers” sharing your account, you are responsible for paying their charges • Limit of $25,000 balance transfer in 180 days. Transfer may take up to 6 weeks. • Return Protection does not provide refunds for shipping and handling

  6. Gold Delta Skymiles • Rewards: • 30,000 miles if $500 spent in first 3 months; 2 miles every Delta Purchase, 1 mile for all others • First bag checked free for up to 9 people • 20% off in-flight savings (meals, drinks, movies)

  7. Gold Delta Skymiles • Fees: • $35 Late Fee • $35 Return Payment Fee • $95 Annual Fee (after first year)

  8. Capital One Venture Card Get your feet there faster with double miles. • Terms and Conditions: • Annual income > rent and mortgage payments • Minimum credit line of $5,000 • If balance is less than $25, the minimum payment is the balance amount.

  9. Capital One Venture Card • Rewards: • 10,000 bonus miles if $1,000 spent in first 3 months (no cap and miles don’t expire) • Miles can be redeemed for cash, gift cards, other purchases, etc. • 2 miles earned on every dollar

  10. Capital One Venture Card • Fees: • $59 annual fee (after first year) • Cash advance fee of 3% (minimum $10) • Copies of statements: $3.00 • $35 Late payment fee • $35 Returned payment fee

  11. Let’s Compare *Note: maximum APR was used in calculations

  12. The Verdict • Miles by Discover • No annual fee makes it lowest cost card, even with slightly higher APR • Has lowest Penalty APR • Only card with unrestricted options for travel.

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