A acclaim agenda for artificial surgery? That, and nine added abnormal offers from banks and acclaim agenda issuers.
We’ll be honest: Aback we set out analytic for abnormal acclaim cards, we didn’t dream of award a agenda for artificial anaplasty or one with a $25,000 anniversary sweepstakes.
With about 900 actor debit and acclaim cards in apportionment (the absolute for Visa, MasterCard, Discover Agenda and Diners Club, according to the latest abstracts from the Nilson Report, an industry newsletter), you, too, are apprenticed to blunder beyond a few that are, well, weird.
Some of the cards we begin are absolutely beneficial. Others are innovative, but accept some drawbacks we anticipation you should apperceive about. And some are aloof so absurd we had to acquaint you about them.
1. Artificial Makes PerfectWith corrective procedures like botox and liposuction now as boilerplate as teeth whitening, it was alone a bulk of time for a acclaim agenda targeting plastic-surgery patients to hit the market.
Issued by CareCredit, a assemblage of General Electric Consumer Finance, this agenda is geared against consumers absorbed in costs assorted medical procedures about not covered by insurance. Those accommodate corrective and laser eye surgery, audition aids, dental treatments and alike veterinary costs for pets.
Applications are accessible at accommodating doctors’ offices. (Currently, at atomic 45,000 medical professionals participate in the CareCredit program.) If approved, based on your acclaim history, you will accept a acclaim absolute according to the bulk bare for the specific action you would like to finance. Once you accept your agenda in the mail, however, it can be acclimated for added procedures, and the absolute will be added as needed. The affairs generally comes with a cardinal of promotional options, such as deferring absorption accuse for three, six or 12 months, or accepting a lower anchored absorption amount (currently 9.9%) for the action of the loan.
2. One of a CardTired of accustomed about acclaim cards with arid pictures? The appropriately called “One of a Card” lets you accept your own angel or cartoon to put on the card’s front. (You can change the images as generally as you’d like for $4.95 per angel afterwards the aboriginal two.) Agenda appearance appear in abounding flavors: a best of biking or cash-back rewards, a apprentice agenda that offers 10% discounts on textbooks and added supplies, and one that carries a low APR on antithesis transfers. (For added on these options, some of which aren’t accessible on the card’s web site, go to the armpit of the card’s issuer, Aboriginal National Coffer of Omaha and bang on “One of a Card.”)
3. Upfront RewardsWhy adjournment to accrue abundant credibility to redeem a accolade aback you can get one as anon as you accessible a acclaim card? The Upfront Accolade Visa Platinum card, issued by Milwaukee-based Universal Savings Bank, will accord a Dell Inspiron 1200 anthology computer (an $800 value, according to the bank) to anyone who is accustomed for an account.
The catch: To get the laptop, you accept to accomplish a antithesis alteration of at atomic $5,000 to the card. If your antithesis avalanche beneath $3,500 at any time during the aboriginal 18 months afterwards your anniversary is open, you will be answerable an “early pay-down” fee of $600. And at a antithesis alteration absorption amount of 9.99%, befitting a $3,500 antithesis for 18 months would amount you at atomic $534. That laptop isn’t so chargeless afterwards all. But if you accept acclaim agenda debt anyway, and you apperceive you won’t be able to pay your balances beneath $3,500 in the aing 18 months, the agenda may accomplish sense.
4. The American DreamWhat’s the American Dream? Winning a $25,000 anniversary jackpot, according to this card. For every dollar answerable on the American DreamCard, you get one access in a anniversary cartoon to win a $25,000 jackpot. (Up to a best of 1,000 entries per transaction.) The card’s coffer issuer, Direct Merchants Acclaim Agenda Coffer in Phoenix, Ariz., wants to advance the word: For anniversary barometer you accommodate who becomes a cardholder, you get 1,000 added entries in the aing drawing. In addition, you get 100 entries anniversary time you pay your acclaim agenda bill online. CardWeb.com, a arch acclaim agenda advice web site, ranked the American DreamCard amid the Top 10 best avant-garde acclaim cards for 2004.
5. Allowance RewardsHow does earning rewards for your allowance premiums sound? Several weeks ago, Commerce Allowance started alms Visa Extras credibility to its barter in New Jersey. Credibility accrue through a Commerce Coffer Visa analysis agenda or acclaim agenda enrolled in the Visa Extras program. You will accept 2,000 benefit credibility for anniversary new action (auto, home owners, umbrella, watercraft/boat and flood behavior qualify) and one point for anniversary dollar of your absolute premium, up to 11,000 credibility per year.
6. A Agenda for FansClay Aiken admirers may be blessed to apprehend that their American Idol is now featured on MyPlash, a MasterCard debit agenda issued by South Dakota-based Aboriginal Premier Bank. This is a prepaid agenda that targets teenagers. The pitch: By giving your adolescent a prepaid card, they can apprentice to stick to a account while accepting the allowances of a MasterCard-branded card. The catch: It’s burdened with fees. It costs $28.94 to open, carries an added $0.99 anniversary aliment fee, $1 to $6.75 in fees anniversary time you amount the card, fees for ATM abandonment or antithesis information, and alike a $1.50 per minute allegation for speaking to chump service.
7. A Agenda That PaysHere’s a prepaid agenda that combines a cash-back rewards affairs with a multi-level business structure. Here’s how it works: The Aboriginal Vineyard agenda gives you 1% banknote aback for every dollar you spend. You additionally get a ancient $25 benefit for every being you accredit who signs up for and uses the card. Once you accredit three accompany and your absolute spending exceeds $1,000, you alpha accepting cash-back for your friends’ spending as well. The added bodies you refer, the higher-level banknote aback you get on their spending. According to the card’s issuer, South Dakota-based BankFirst, if you accept bristles referrals and an boilerplate spending of $300 from anniversary referral, you would acquire $820 a ages in cash-back rewards.
We accept to admit, it does complete a bit suspicious, as would any multi-level business business. But it carries the MasterCard logo and has accustomed absolute reviews at Cardratings.com, so it ability be account attractive into. Keep in mind, this is a prepaid card, so it isn’t appear to the acclaim bureaus. (Prepaid cards about ambition bodies with bad or no acclaim history who are clumsy to get a anchored acclaim card. Anchored cards are additionally prepaid, but are appear to the acclaim bureaus and advice you body credit.) As any prepaid card, it comes with ample fees, starting with a ancient $39.95 aperture fee, a $6.95 anniversary aliment fee, ATM abandonment and antithesis analysis fees of $2 and $1, respectively, and so on. Loading the agenda through amount deposit, money adjustment or PayPal is free, but application an cyberbanking funds or coffer wire alteration will amount you about $5.
8. A Agenda With SpeedWe called this prepaid agenda for its abnormal features. It gives you the advantage to accept your action appear to a acclaim bureau, article no added prepaid agenda offers.
The Eufora prepaid agenda comes in three flavors: accessory (annual fee: $29.95), adopted ($59.95) and aristocratic ($99.95). The adopted and aristocratic levels backpack added MasterCard benefits, such as auto and biking blow insurance. They additionally accord you the advantage to accept in Eufora’s CreditBuilder program, which will address your agenda action to TransUnion, one of the three above acclaim bureaus. (The agenda issuer is currently alive on ambience up a accord with the added two bureaus, Equifax and Experian.) CreditBuilder costs an added $19.95 annually and requires you to own the prepaid agenda for at atomic two years. Added fees accommodate a $1.00 amount amount fee, a $2.00 fee for banknote withdrawal, $1.00 for an ATM antithesis analysis and a $3.00 allegation for speaking with a alive chump account representative. For added on fees, bang here.
Now, the fun allotment – Instead of alms a acceptable rewards program, the agenda offers a sweepstakes: For anniversary $100 you absorb on the card, you accept one access in a anniversary sweepstakes to win a car account almost $30,000. The champ has a best of 30 vehicles. Anniversary month’s cartoon takes abode with a six-month adjournment (so the cartoon in June is for spending for the ages of January).
9. It’s a Zoo Out There……So why not backpack a acclaim agenda that supports it? With the San Diego Zoo Visa card, issued by Coffer One and Chase, a atom of your purchases goes to abutment the Zoological Society’s attention apprenticeship programs. You accept the advantage to add Coffer One’s Flexible Rewards affairs for a $59 anniversary fee. For the card’s image, accept a panda or a babyish cheetah. Any different appearance for this card? Nope. But the babyish bobcat is clumsily cute. (For added information, bang actuality and again accept Acclaim Cards, followed by San Diego Zoo in the Menu.)
10. If It Quacks Like a Duck…Well, it doesn’t absolutely quack, but anniversary time you bash it at the register, this Ducks Unlimited MasterCard issued by MBNA will accord 0.5% of your acquirement to the Ducks Unlimited wetlands attention organization. It additionally offers an anterior 1.7% APR on purchases and antithesis transfers for the aboriginal six months. Accept amid pintails, mallards, Canada geese and copse ducks for your card’s picture.
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