Low Interest Credit Cards

Q: I’m taking a trip to Europe at the end of the summer and I was wondering what the best credit card is to use in foreign countries. Are there any cards that won’t charge a fee for these transactions?

A: Since we all want to save money, your best bet is to use a card that doesn’t charge fees on foreign transactions. Three companies that don’t charge a fee are Capital One, Discover, and Charles Schwab. Your local credit union may not charge a fee either.

Your second criteria for choosing a card should be how widely it is accepted. Visa and MasterCard are more widely accepted internationally than Discover or American Express, so that just leaves a Capital One credit card or a Charles Schwab debit card. Any Capital One card will work, but the Capital One Venture card is good if you’re looking to rack up miles for some more European vacations. If you fi

Read more…

While there are reports that a lucky few are getting targeted for a more lucrative offer, this is one of the better Chase Freedom deals that has been available to the general public. Under this promo, you’ll earn a $200 cash back bonus when you spend $1,500 within the first 6 months of opening a new account.

As is standard for the card, it carries no annual fee and you’ll earn 5% in categories that rotate quarterly. For instance, from July 1 through September 30, 2011, you’ll earn 5% on up to $1,500 in spending on gas, hotel and airline purchases. All other purchases earn 1% cash back.

Q: I’m in the process of rebuilding my credit after a few bad years. Is there a zero percent APR credit card that I could be approved for?

A: As you probably know if you’re asking this question, it’s hard to find a 0% APR offer for bad credit. Most of the best deals go to those with good or excellent credit, and those who most need low interest rates are left out in the cold. If you have bad credit, though, you do have a couple of options.

One of these is the Capital One No Hassle Cash Rewards card. Although Capital One’s website states that this card is for those with excellent credit, this isn’t necessarily the case. People with credit scores in the low 600s have reported being approved for this credit card. Right now, Capital One is offering a 0% introductory APR until June 2012. This APR applies to purchases; balance transfers have an APR of between 12.9% and 20.9%.

If you want a card with 0% APR on balance transfers, you may be able to qualify for Citi’s Simplicity card. This card m

Read more…

Visa electronic payments is set to introduce its new payments solutions to replicate Visa point of sale payments within traditional and digital eCommerce, mobile commerce and social networking commerce environments in the U.S. and Canada by fall 2011. These will include a secure cross-channel digital wallet and a range of customized mobile payments services that address the specific requirements of geographic markets around the world, namely on the Associations digital wallet and services platform, and will store Visa and non-Visa payments accounts, support NFC payments through the innovative Visa payWave application and deliver a wide range of transaction services for eCommerce, mobile commerce, micropayments, social networks and person-to-person payments.

That’s the question we asked our Facebook fans, and here are a some of our favorite answers!

What’s your budget?

Budget, Budget, Budget! It is an absolute must to have a budget on paper and stick to it! (Ranee A.)

Don’t blow ten, twenty, thirty, forty Gs or more on a four-hour party. Elope!! (Phil M.)

Party down!

I kept the wedding just to parents and grandparents, and the reception was the next day and it was a potluck and everyone loved it we spent about $600 total with everything, including cake and clothes. (Amanda U.)

Make sure the +1 guests are significant others or spouses. I don’t want to buy dinner for someone you’ve known for a week. (Eric M.)

BYOB. (Henry L.)

Bon Voyage!

Stay somewhere with a kitchen, and only eat out for one meal a day. It was ro

Read more…