American Express offers a wide selection of credit cards for the consumer as well as the small business,
from charge cards with no preset spending limits to credit cards with high credit limits. The rewards program
depends on the card and could either be a regular cashback system, Airlines miles or
a point based system that can be redeemed for merchandise, gift cards, entertainment or travel.
It is recommended to have a good to excellent credit before you apply for an American Express credit card.
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Previously known as a Morgan Stanley product, but now a standalone company. The terms and conditions of all
Discover Cards are very similar, making it easier if you have several cards. They have a unique concept in
which they offer 5% cashback bonus in popular categories that change four times a year. There is also a 5% gas
card and airline miles card to choose from. Students and small businesses also have cards tailored to them.
Good to excellent credit is recommended before applying for a Discover card.
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IberiaBank is a well established bank with headquarters in Louisiana. They have very competitive consumer credit
cards with the APR for purchases being one of the best rates in the market and on top of that you get the first
6 months at an introductory rate of 0%. Redeeming the cash back earned on your purchases is easy with IberiaBank,
since they have no restrictions on their cash back program. Good credit is recommended before applying for an
IberiaBank credit card.
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Juniper became a part of Barclays PLC in 2004, a global financial service provider that is among the largest
in the world. They are one of the fastest growing credit card providers in the United States. The credit cards
are for the consumer and a lot of their cards are from Airlines, but they also offer credit cards from several
of the other reward categories. There is often an introductory offer for most of the cards that is usually 0% for
6 months for balance transfers with a 3% fee (max $50). Good credit is recommended before applying for a Juniper credit card.
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Pentagon Federal Credit Union is one of the strongest and safest financial institutions with more than $14
Billion in assets. They serve over 979,262 members primarily from the Air Force, Army, Coast Guard and Navy.
Even if you do not fall within their regular field of membership, you can join the National Military Family
Association for a one time $20 fee and you are eligible to become a member with Pentagon Federal Credit Union.
The best feature of a PenFed credit card is the low fees, but they also offer great rewards with as much
as 5% for qualifying purchases.
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