The Escape by Discover® Card, issued by Discover, is a travel rewards card that is perfect for people who are interested in earning travel miles quickly.

The rewards program offers cardholders 1,000 miles for each month a purchase is made for the first 25 months of opening an account (for a total of 25,000 Bonus Miles*). At the same time, cardholders will have the flexibility of earning unlimited Double Miles on all of their personal and business purchases. Miles never expire and can be redeemed for booking any airline, cruise, hotel stay, or car rental. You can also exchange your miles for gift cards to 90 brand-name partners or for cash starting at just 1,000 miles.

In addition to the rewards program, cardholders will also enjoy enhanced travel benefits including car rental insurance, lost luggage insurance, travel delay insurance, and travel cancellation insurance.

While there is a $60 annual fee requirement for this card, cardholders will enjoy a 0% APR on purchases and balance transfers for the first six months of opening an account. The APR for this card is reasonable, although it is important to note that only higher qualifying applicants will receive the lowest rate available.

Those who plan to take advantage of the introductory rate and the travel reward program will find that the Escape by Discover® Card has a great deal to offer.

Card Last Review 2009-07-03

Show off your eco-savvy with the Biodegradable Discover® More Card! Issued by Discover, the Biodegradable Discover® More Card is the only credit card that will biodegrade in landfill or compost-like conditions.

This card is as easy on your wallet as it is on the planet. Through the rewards program, cardholders earn a 5% Cashback Bonus® in categories such as travel, gas, restaurants, movies, and more. Cardholders also earn up to 1% for general purchases and up to 1% Cashback Bonus on all other purchases automatically.

As an added bonus, cardholders can earn up to a double Cashback Bonus® when redeeming their rebates for gift certificates from participating Discover® Card Partners. There is no yearly limit on the amount of rebates that can be earned, and rebates do not expire as long as the account is active within a 36-month period.

This card currently has a 0% introductory APR on balance transfers for 6 months, and a 0% introductory APR on purchases for up to 6 months. The APR for this card is reasonable for those who qualify.

Aside from the rewards program, this credit card also provides several platinum benefits, including up to $500,000 in travel accident insurance, auto rental insurance, and various fraud and security protection services. Cardholders will also receive discounts on products and services at participating merchants and retailers.

Those who plan to spend over $3,000 a year (to earn the 1% cash rebate), plan to use their Cashback Bonus® award at participating retailers (to earn double cash rebates), and who plan to pay in full each month after the introductory rate expires (to avoid finance charges) will benefit most from what the Biodegradable Discover® More Card has to offer.

*It is important to note that like many cash reward cards, the highest rebate offered will not apply to all purchases made with the credit card. In this case, 1% will only be applied only to those purchases made after the cardholder spends over $3,000 in one year, so the overall cash rebate earned will be less than 1%, depending on the amount spent. For instance, if the cardholder were to spend $4,000, only $1,000 of this amount would be applied towards the 1% rebate. However, this does not take into account any promotional offers or the full 5% Cashback Bonus® award.

Card Last Review 2009-10-08

The Public Savings Bank Secured Black Card, issued by Public Savings Bank, is ideal for those who are trying to improve their credit. This is because Public Savings Bank reports card activity to all three major credit bureaus every month.

Because the Public Savings Bank Secured Black Card is a secured credit card, all applications are accepted, regardless of past credit history, or a lack of credit history. A secured credit card is one that is secured with a deposit. The amount of the deposit then becomes the cardholder\'s credit limit. The minimum deposit for this card is $200, the maximum is $10,000.

The interest rate for the Public Savings Bank Secured Black Card is reasonably low, and the Public Savings Bank Secured Black Card has no annual fee. The application fee is $79.

Applicants who are interested in improving their credit by using a low interest secured credit card will be best served by what the Public Savings Bank Secured Black Card has to offer.

Card Last Review 2009-11-19