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The Green Bay Packers official team logo is now being proudly displayed on the NFL Extra Pointsa, Platinum Plus Visa Credit Card from Bank of America. (www.packerscreditcard.com). This rewards credit card has proven to be a touchdown with fans across the country and has made huge strides in the rewards credit card industry. Like many retailers, universities and airlines have done for decades, NFL football teams, in association with Bank of America, now offer credit card consumers valuable rewards above and beyond the cool factor of having their favorite team printed on their credit cards. These football-oriented credit cards are scoring big with sports fans in every state.
The NFL Extra Pointsa, Platinum Plus Visaa, Credit Card from Bank of America has important features, which include:
a No Annual Fee.
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a 0% Introductory Annual Percentage Rate (APR) on balance transfers and cash advance checks for your first 12 billing cycles.
a A $50 NFLshop.com gift card after your first qualifying transaction(s) using your NFL Extra Pointsa, Visa Credit Card.
a 100% fraud protection
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a Earn 1 Point for every dollar you spend in net retail purchases. Points are redeemable for NFL merchandise, tickets, and VIP passes to NFL experiences.
a Online account access and Points management.
At a time when consumers are nervous about the uncertainty in the stock market, illiquidity in the credit market and the softening real estate market, one thing remains constant - sports fans love NFL football. Historically, football has given its fans something to believe in and something to hope for, particularly during difficult economic times. With the NFL Extra Pointsa, Platinum Plus Visaa, credit card, Packers fans can be reminded of their favorite team every time they open their wallets. Real fans carry the card with pride. Visit www.packerscreditcard.com to complete the credit card application online in just a few short minutes.
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Best kind of credit card for a college student?
I’m going to be a college freshman soon and I figured that a credit card would come in handy during emergencies (due to me being out of state) and other spendings. Obviously, I would like one that comes with low interests, % back, some credit for applying (if possible), no annual fees, and just over all most convenient/saving /commonly accepted. Currently I’m looking at Visa and Mastercard.
Fellow readers/college students ! Please give me some advice as to what card (specifically) that I should apply for.
Thanks
If you plan to use the card as you have your debit card – meaning, you don’t intend to spend money you don’t have, and won’t run a balance – then the APR is meaningless. I have a Chase card that came with a 29% interest rate right out of the gate, but since I never run a balance, I have never paid them a dime in interest; they pay ME, because it’s a rewards card, like the one you’re looking at.
However, if you DO plan to run a balance, then any mistake, even being an hour late with your payment, will jack your rate up to 29.24%. The terms listed also allow for “universal default,” wherein they can raise the rate to 29.24% at any time if they see something appear on your credit report that they don’t like. Furthermore, if you run a balance of any kind, your purchases will start costing you interest from the moment you make them.
So be careful. This could be a good deal if you don’t run a balance, but credit cards ARE the devil. You can’t live in the modern world without one, unfortunately, and you sound like a responsible person, so good luck with it, and watch out for the traps they will set for you.
Edit: Cincinnati Reds, below, is partially correct. You definitely should have an emergency pad in the bank, and $500 is the usual minimum amount suggested. However, a debit card is not a good substitute for a credit card, for two reasons:
1) Usability. There are some things you can’t do with a debit card. You will have a hard time renting a car or a hotel room with a debit card, for example. (What they’re worried about is the possibility that you will not have enough money in your account at the end of the rental to pay the bill, even if you had it in your account when you began.) Also, some merchant pre-authorizations exceed the actual amount charged – gas pumps and restaurants mainly – which, with a debit card, means your actual money in the bank is frozen until the pre-auth expires, which can take up to a week. That in turn can cause you to bounce checks even when you actually do have the money.
2) Fraud. Legal limits on liability are much looser with debit cards than with credit cards if your card number is stolen. Most banks will work to get you straightened out, but they are not REQUIRED to do so by law as is the case with a credit card. Also, if unauthorized charges appear on your credit card, you’re just arguing about whether to pay a bill, whereas with unauthorized debit card transactions, your money is already gone, and you’re arguing to get it back. Which situation would you rather be in?
Edit: Jon K – because it’s true.
Credit cards ARE the devil. But the poster’s point was that he doesn’t want the answer “Don’t get any credit card because they’re evil,” because that doesn’t help him. And that’s not the answer I gave him. I advised him that if you make a deal with the devil, you have to pay attention to the details. I also pointed out that we almost ALL have to make that deal. If he watches out for the traps, he’ll come out okay.