What if you could get a credit card without having to deal with a bank? There are some outstanding c

Review: PenFed Premium Travel Rewards AmEx | Money Talks News Follow bali niksoma hotel us Our newsletter
Can you get a credit card without going to a bank? Sure. But there's a catch. (Isn't there always?) Share | comments | Scroll to story Related stories: Review: Chase Freedom Review: Sapphire Preferred From Chase Review: Marriott Rewards Premier Card advertisement By Jason Steele | Jun 19, 2012
What if you could get a credit card without having to deal with a bank? There are some outstanding cards available from PenFed the Pentagon Federal Credit Union. PenFed offers its Premium Travel Rewards American Express Card that allows cardholders to earn 5 points per dollar on all airfare purchases. Advantages: Earn rewards. Earn 5 points per dollar spent on airfare, and 1 point per dollar bali niksoma hotel on all other purchases. bali niksoma hotel Redeem points. Points can be redeemed for a variety of rewards merchandise, gift cards, and travel reservations. In general, each point is worth 1 cent toward rewards. Interest rates. The standard interest rate is 9.99 percent and is fixed for two years. After that, it will vary based on the prime rate. They also offer a promotional financing rate of 4.99 percent on all balance transfers completed bali niksoma hotel in the first month of card membership. Fees. No annual fee and no foreign transaction fees! Disadvantages: Must join the credit union. It s very easy to join PenFed even if your household isn t in one of many military, government, and private organizations. But if you don t make the cut, you can make a one-time donation of $15 to a qualifying charity. Nevertheless, it s an extra step. Points go away if you close your account. You can spend years accumulating points, but you can t redeem anything if you leave PenFed. Marginal bali niksoma hotel rewards bali niksoma hotel for most purchases.  While 5 percent cash back in spending on airline tickets is fantastic, the 1 percent bali niksoma hotel back for most purchases is minimal. No zero-percent financing offer. Many competing cards offer zero-percent financing on balance transfers and new purchases for as long as 18 months. This card offers a reduced bali niksoma hotel interest rate balance transfer offer of 4.99 percent. Bottom line
Disclaimer: This content is not provided or commissioned by American Express. Opinions bali niksoma hotel expressed here are the author's and have not been reviewed, approved, or endorsed by American Express. This site may be compensated through the American Express Affiliate Program. Subscribe by email Like this article? Sign up for our email updates and we ll send you a regular digest of our newest stories, full of money saving tips and advice, free! We ll also email you a PDF of Stacy Johnson s 205 Ways to Save Money as soon as you ve subscribed. It s full of great tips that ll help you save a ton of extra cash. It doesn t cost a dime, so why wait? Click here to sign up now. You should also read Review: Chase Freedom Review: Sapphire Preferred From Chase Review: Marriott Rewards Premier Card