Barnes & Noble MasterCard Review
Rewards cards can be money savers and they afford individuals experiences that they would not have without the card account. In this case, gift cards and statement credits can go a long way in saving cardholders money. At the same time, Barnes & Noble MasterCard provides the cardholder with a degree of freedom.
When you apply for a rewards credit card, you expect to be rewarded and to be able to use those rewards. One of the issues with rewards credit cards is that sometimes individuals get them because they feel the program is very generous. They believe that they are going to use the services and other programs associated with the card, but then they find they don’t use them at all because, perhaps, the program was not one they would typically use, but they thought they would because of the rewards.
The best thing to do is use a card with a rewards program that you know you will use. With the Barnes & Noble MasterCard, you are rewarded for your love of reading. You can then use your savings to inject in your favorite leisure-time activity. When you make eligible purchases at Barnes & Noble, you receive a percentage of each transaction back in the form of statement credits. This will help you save money on your bills.
When you make purchases everywhere else, you earn points. These points are then automatically redeemed for a $25 gift card as soon as a 2,500 point balance is reached. There is no having to remember to redeem for the gift cards because Barnes & Noble automatically sends them so that you do not have to worry.
This is a way in which money can be saved on Barnes & Noble purchases and the card itself. If you are not the reader in your home and your spouse or children are, then you are still going to benefit from the savings that this card offers.
Related: Credit Cards Security Tips
Balance transfers can be useful tools when it comes to saving money on the interest on your cards. If you have a high interest credit card, then you could save money if the Barnes & Noble MasterCard has a lower APR (See Low APR Cards). This is a strategic way for you to reduce the amount of interest that you pay on your credit cards and pay them off sooner than you would otherwise.
So if you have a credit card with an interest rate that is ridiculously high, you can use the section on the Barnes & Noble credit card application related to balance transfers to list those cards. As long as your credit limit is high enough and Barclaycard, the card issuer, approves them, those balances will be transferred to the Barnes & Noble card. You can also opt for balance transfers later after you receive the rate on your new card and can compare it to the rates on other cards that you have.
Related: Credit Cards Basics
When you perform a balance transfer, it does have its own APR that is separate from the purchase APR and it does have a fee associated with it. This fee is a percentage of the transaction or a minimum dollar amount, whichever is greater.
You can also have cash advanced to you from the card. This is something to consider carefully since the cash advance APR is higher than the purchase APR and balance transfer APR. Just like balance transfers, it does have a fee attached to the transaction. The fee is a minimum dollar amount or a percentage of the transaction, whichever is greater. This is also per cash advance, so it is something you may want to do sparingly.
Foreign transactions are convenient. If you are traveling internationally and you need to use your card, you can anywhere MasterCard is accepted. However, there is a foreign transaction fee that is charged as a percentage of the transaction dollar amount and the percentage is charged in U.S. dollars. It is a small percentage, but it is charged per transaction. (See No Foreign Transaction Fee Cards)
So if you are traveling internationally and you are in a situation where you need a cash advance from the card, it is easy for you to get the cash that you need when you need it. It is good to use in emergency situations so that you can keep your fees to a minimum.
The application process is simple, as it asks for information typical of a credit card application, such as your name, contact information, social security number, mother’s maiden name, and other identifying information. It also asks you if you would like an additional card and if you would like to transfer balances from other cards to this card.
In order to submit the application, you have to be at least 18 years of age, a resident of the U.S., and the card may not be available if you already have a Barnes & Noble MasterCard account. You must also meet the credit requirements by Barclaycard, which is that you have good credit with no major delinquencies.
Once the application process is complete, it only takes 30 seconds to receive a decision (See Instant Decision Cards). Once the decision is received, you will receive your card within two weeks. Once the card is received, you can begin using it immediately. Once that first purchase is made, a $25 Barnes & Noble gift card will be sent to you. It is their way of saying thank you for being a cardholder. You can use it online at Barnes & Noble or you can use it in one of the many Barnes & Noble stores.
The Barnes & Noble MasterCard is a unique card in that it is exclusive to Barnes & Noble. All in all, you are going to be able to strategically save in a number of ways. At the same time, you can use the card in a number of ways and around the world where MasterCard is accepted.
Barclaycard Arrival World Mastercard Review (Discontinued)
The Barclaycard Arrival is a different type of credit card designed for travelers in that it offers significant features and benefits without charging a high annual fee for them. The redemption options also make the card suitable for individuals who don’t travel often.
Applying for this card is rather easy. You can apply online for a fast decision. If you do not receive an instant decision, you may receive one through the mail within 7 to 10 days. You will also receive your card 7 to 10 days after the account has been approved. To be approved, you must be at least 18 years of age, have no active bankruptcies, and you need to have a credit file established. Of course, approval depends on creditworthiness.
When filling out the application, you will notice that you are given the opportunity to enter the details of three credit cards with balances you want to transfer. Balance transfers are very useful when you want to transfer balances on a high balance card to a card that has a lower interest rate. This is a good money-saving strategy because you are reducing the amount of money in interest that you pay in the future.
Once the account is approved, you will notice that you will receive an introductory APR (See Intro APRs Card Offers). This APR is in effect for a specific amount of time. It is very important to note this period of time because the card will increase to its normal rate at the end of the period. The permanent rate is going to vary because it is based on creditworthiness and the Prime Rate, which determines the interest rates within the market.
If you opt for a balance transfer, then you will find that there is an APR for balance transfers. There is also a separate higher APR for cash advances, too.
Making a late payment will call a penalty APR that will be applied to your account. Just like the APRs for other services on the card, this one is based on creditworthiness. Once this rate is imposed, it could be there for the long-term, but there may be conditions in which Barclays will reduce the rate after on-time payments have been made for a specific period of time.
The best way to avoid paying interest on your purchases is to pay off your balance before your bill is due. Your due date is 23 days after the closing of your statement, so as long as you pay it off before the due date, you can receive your purchases interest-free while still taking advantage of all of the rewards that the card has to offer.
The rewards are rather generous. After you make a specific dollar amount in purchases within a certain period of time after opening the account, you will receive bonus miles that are enough to cover hundreds of dollars in travel costs. You then earn more than one mile for every dollar that is spent on the card. The difference between this card and the regular Arrival World card that doesn’t have an annual fee is that the miles are doubled with this one.
What remains the same is that you can travel with ease by being able to book any airline at any time and you receive a number of protections. When traveling, you receive automatic travel accident insurance, reimbursement for any expenses you incur in case your baggage is delayed or misdirected, coverage for trip cancellation or interruption, and the MasterCard Global Service, which gives 24/7 emergency assistance to cardholders when on the go.
Cardholders can also enjoy no foreign transaction fees when traveling abroad. If you have seen other cards charge upward of 3% per transaction when traveling abroad, this one does not do that. Instead, you can make purchases just like you would domestically.
In addition, there are no blackout dates, seat restrictions, or caps on how many miles you can earn and redeem. Add this to the complimentary TripIt Pro subscription, which is a mobile travel organizer, and you have many of the things that are needed when traveling.
The last travel benefit is the ability to receive 10 percent of your miles back when you redeem your miles for travel. This means you can spend 50,000 miles on a trip and receive 5,000 of them back. This results in even more significant savings.
Even if you are not an avid traveler, you can redeem miles when you do or you can choose to redeem your miles for statement credit, gift cards, or merchandise. There is a whole list of rewards that you can redeem your miles for. Basically, you can redeem your card the way that you see fit.
Finally, there are the fees. This is not a card that has a fee for every move you make with the card, which is evidenced by the fact there is no foreign transaction fee. The annual fee is small and is especially small when compared to the number of bonus miles that are applied to the account when the required spending goal is reached. Even so, the miles do accumulate quickly, resulting in significant travel savings and savings that are achieved by redeeming miles for other rewards. In other words, the annual fee pays for itself.
Aside from the annual fee, there is the late payment fee, the returned check fee, the cash advance fee that is a percentage of the cash advance amount and the balance transfer fee that is a percentage of the balance transfer. Aside from those fees, those are the only fees that you will have to pay. This makes it an affordable card to have.
Overall, the Barclaycard Arrival World MasterCard is a very unique travel credit card in that the annual fee is low, there is an introductory APR, there are no foreign transaction fees, and you can redeem your miles on travel to just get some of those miles back. All of these features and benefits result in money saved for the cardholder.
Hawaiian Airlines World Elite MasterCard Review
When you shop around for a travel rewards credit card, you want one that is going to give you what you need, as well as special perks, discounts, and anything that allows you to save money. You want a low annual fee, competitive rates, and the ability to use it wherever you go. The Hawaiian Airlines World Elite MasterCard does all of these things and more.
To acquire the Hawaiian Airlines card, you have to qualify. In order to qualify, you have to meet the credit criteria. You will also have to meet the income requirements. If your income is not sufficient enough based on your obligations, Barclays Bank Delaware may opt to not open an account for you. The offer is available to new cardholders only (See Credit Repair Offers).
The 50% one-time companion discount on a roundtrip between Hawaii and North America is a deal that can save a great deal of money. The primary cardholder is eligible to receive this discount for coach fare only upon their new account approval. But in addition to this, the primary cardholder is eligible to receive a discount on a coach companion ticket on the anniversary date of the credit card account.
Once the initial discount is awarded, it does have to be used within 13 months of the card issuance. The trip has to be booked on the Hawaiian Airlines MasterCard. It should be noted that the discount is not applied to any fees, taxes, or surcharges that may result. For instance, there is tax that is applied to each ticket purchase, the enplanement September 11th security Fee (does not exceed $10), and the PFC surcharge. Neighbor island flights are not eligible for the companion discount.
See Related: Tax Services
The primary cardholder has to be one of the flight passengers and both must be booked for the same flight and same class of service. If the trip is a multi-city flight, then the companion discount does not apply. This offer cannot be transferred to another HawaiianMiles member.
Baggage Fee Waiver
The primary cardholder is entitled to a one-time baggage fee waiver for their first checked bag on Hawaiian Airline flights. There are some restrictions, such as the waiver not being able to be used for a secondary account holder. It also cannot be used to someone who is authorized to use the account and the waiver is only effective for travel between Hawaii and North America and between Neighbor islands. International flights do not qualify.
In order to qualify for the baggage fee waiver, the Hawaiian Airlines ticket must be made with Hawaiian Airlines and not a third party vendor. At the time of purchase, the primary cardholder must provide their HawaiianMiles member number that is associated with the credit card at the time they check-in. Your account must be current in order to qualify.
If you are a Pualani Gold, Pualani platinum, or Premier Club Primary cardmember, you will receive one additional complimentary checked bag in addition to the baggage allowance with your current membership.
Making Travel Easier
In addition to the programs that are afforded to members, such as the companion ticket discounts and free checked bags, there are ways in which the Hawaiian Airlines World Elite MasterCard makes travel easier. For instance, the fact that the card is a chip card makes it acceptable all around the world. Some countries are using the chip card system for added security, which means you can be confident when using your card internationally. Add in the fact that there are no foreign transaction fees and the card is even more convenient to use.
Useful Read: Online Security
You can also earn up to ten times the miles at select partners. Again, these are opportunities that can save you money and/or add to the convenience factor of the card.
If you need a gift bought and you have no time to shop, the concierge service can be very convenient. Of course, any charges will be applied to your card. The service itself is free. If your luggage is lost, you can be reimbursed for the loss so you can replace your items. If you need travel assistance, that is available to you as well. When renting a car while on your trip, you can opt for the damage waiver provided by your card rather than the one provided by the car rental company and save some money. You will also want to keep yourself up-to-date on the VIP events and unique experiences that are afforded to cardholders. You may even find that a specific event or VIP opportunity will be worth scheduling a trip around. The opportunities are many when you are a member.
The card is mainly going to cost you in the way of the APR. There is a small annual fee and the exact APR that is received depends on creditworthiness and the Prime Rate. Purchase and balance APR reside within a range. You will receive a rate within that range. The cash advance APR is fixed regardless of creditworthiness. There are transaction fees associated with cash advances and balance transfers. However, there are no foreign transaction fees. There is also a late fee and a returned payment fee. If a payment is made late or a payment is returned due to insufficient funds, then the fee will be assessed. Both fees can be assessed at the same time if a returned payment causes a late payment.
It is also important to note that a late payment can lead to a penalty APR being applied to the account. This rate may be applied indefinitely, depending on the discretion of Barclaycard, the issuer of the credit card account. Other than this, there are no other costs associated with the card and you can avoid paying APR on purchases by simply paying off the entire balance before the due date.
The Hawaiian Airlines World Elite MasterCard is a travel reward credit card with few fees, a low annual fee, and many perks that make travel more affordable and simply add to the overall convenience of having a credit card account.
Barclaycard Rewards Mastercard Review (Discontinued)
With the Barclaycard Rewards MasterCard, you can enjoy various benefits. Not only can you earn rewards throughout the year, but you also get features to help you manage your money. You can enjoy online account management and more.
Applying For The Card
There is an online application for the card available for your convenience. You will fill in all of your basic personal information and then submit it over a secure connection. Once your identity is verified and a credit check is run, you will be given a credit decision. Decisions are usually given over the internet in seconds. You will learn what your account credit line is if approved and a card will be sent out to you immediately.
Once you receive your card in the mail, you will be able to activate it. You will also find out what your APR is based upon your creditworthiness. The card can then be used anywhere that Mastercard is accepted online, over the phone and in-person with millions of merchants worldwide. (See VISA Cards)
When you receive the card, you will get all of the details on the card. This includes the privacy notice as well as details of the benefits on the card. If your credit score is high enough, you may also qualify for platinum status. Platinum status will entitle you to more features, which can save you more money over the course of the year.
How The Points Work
The main feature of the credit card is the ability to earn points. You earn points with every purchase that you make. It’s possible to earn at least one point for every dollar charged to the card. Additionally, you can earn double miles if you use the card in the categories of groceries, gas or utilities. When you sign up for the card, you can also earn bonus points in the introductory period if you make a qualifying purchase.
The points never expire, which allows you to earn as much as you desire to get to the points level you want to get to. The more you purchase on the card, the more you can earn in points. As long as you don’t exceed your credit line at any given time, there is no cap to what you can earn in a calendar year.
Once you reach the desired points level, you can redeem them for what you want. This includes travel rewards, including free flights. There are no blackout dates, allowing you to travel when and where you want. You can also redeem for dining and shopping gift cards, allowing you to buy what you want at any time throughout the year. Also, you have the ability to get cashback on the card in the form of a statement credit. This gives you the ability to pay for past purchases so that you don’t have to pay cash for them. There is no limit to the amount you can get in cashback as long as you have enough points to redeem the cashback.
There are a lot of features just for having a Mastercard in your possession. Depending upon your credit score, you may qualify for no annual fee and a platinum card, which means platinum benefits. This will entitle you to the same features as everyone else plus a few more that you can take advantage of throughout the year.
- Fraud protection
- Online account management
- Customer service
- Platinum benefits
Fraud protection is provided on the Barclaycard Rewards MasterCard for your protection. You are never liable for charges that were made to your card through fraudulent means. Your card is always monitored and should something out of the ordinary appear on the card, you will be contacted to determine whether you authorized the transaction or not. Should you lose a card or if it is stolen, you can report the card and request a new one to be sent out to you immediately.
Online account management is for your convenience. You can access your account over the internet 24 hours a day, 365 days a year. Online, you can view your balance, past transactions and your available credit. You also are able to pay your bill online, download statements and contact customer service. This is an easy way to always manage your account without waiting for a statement to arrive by mail.
Customer service operates online and over the phone. Live representatives can answer your questions immediately. Whether you want to dispute a charge, ask about an account feature or request a credit line increase, a representative is always standing by to help you. There is also never a charge to speak to a representative. The representatives are always available 24/7 so they are there to speak to you when it’s convenient for you to make the call.
Platinum benefits, if you qualify, can save you money throughout the year. You can get buyer protection on qualifying purchases. This protects purchases that are either damaged or stolen. There is also up to a year warranty on qualifying purchases so you don’t have to buy the added protection offered in stores. Additionally, if you travel and rent a car, you will automatically get damage waiver protection, which allows you to pass up paying for it at the rental counter. All of the platinum benefits are simply there when you are ready to use them. They do not cost extra – they are included as a benefit of the card, assuming that you qualify for the platinum version of the MasterCard.
You can begin enjoying the benefits of the card almost immediately. As soon as you apply for the Barclaycard Rewards MasterCard credit card and get approved, you can begin earning reward points. Then determine where you want to shop and what you will do with the reward points.
Upromise World MasterCard Review
The Upromise World MasterCard is a credit card that offers very generous cashback rewards and no annual fee. The APR is competitive and the fees are rather standard for such a card with some of those fees varying by state. With the cashback and the redemption options, this card is one that stands on its own.
The Upromise World MasterCard truly rewards its cardholders through cashback rewards that can accumulate rather quickly with regular card use.
There are a number of ways in which cashback is earned. The first is through regular everyday purchases. However, using the card at eligible movie theaters can add a percentage. Go to an Exxon or Mobil service station and make the cashback reward 3 percent of the transaction. If you decide to dine out at a participating Upromise restaurant, you can make that 4 percent cashback. You get the highest percentage of cashback if you do eligible online shopping through Upromise website. If you are a Upromise member, you can increase your 5 percent cashback to 10 percent when you use your card to make the purchase.
Cash Back Redemption
When you accumulate your rewards, which have no limit, you have a number of redemption options. (a) The first is to contribute the money to a Upromise 529 College Savings plan. (b) The second is to make a deposit into a high-yield savings account. (c) The third is to make payments toward an eligible loan that is already serviced by Sallie Mae, and (d) lastly, you can redeem for checks of at least $10 when you redeem for checks, you can use those checks for anything you please. You can spend the money on a nice reward for yourself, to pay bills, or to deposit into your savings account. (Check Personal Loans)
There is an introductory APR on both purchases and balance transfers. The introductory APR on purchases is a certain percentage, which is sometimes zero, and it lasts for a specific period of time. Taking advantage of this introductory offer does not affect your ability to earn cashback on transactions.
The introductory APR on balance transfers gives you the opportunity to save a great deal of money on transferring a balance from a higher APR card to this introductory rate. This can save hundreds of dollars in interest. Depending on how much the transferred balance is, it can save thousands of dollars in the coming years. Between this and the redemption options, this card offers a great deal of money-saving opportunities.
While the purchase APR and balance transfer APR have introductory rates, the cash advance APR does not. For every cash advance that you perform, there is an APR and a fee that is a percentage of the transaction or a minimum dollar amount. There is also a balance transfer fee on balance transfers despite the introductory APR. However, the fee is lower during the introductory period.
If a late payment is made, a late fee is assessed to the account. The fee may vary by state. In addition to this fee there is a penalty APR. This means that the APR is going to increase to a higher rate than the standard variable rate. Even if you are in the middle of your introductory period, the period can come to an abrupt end and suddenly increase to the penalty APR. Barclaycard, the card issuer, has the right to impose this penalty APR indefinitely.
If the payment is returned, then there is a returned payment fee placed on the account. If the returned payment results in a late payment, then the late fee is charged in addition to this. If these fees cause the balance to go over its credit balance, there is no over the limit fee. You will simply pay the card below its balance in the amount specified by the credit card issuer on your statement.
When traveling with Upromise World MasterCard, there is a foreign transaction fee when abroad. This fee is simply a percentage of each transaction. How much or how little you spend on fees depends on how often you wish to use the card when traveling internationally.
Similar Card Offers: Deserve EDU Student Card Review
Lastly, there is no annual fee. It is common for a cashback card to have an annual fee, but this one does not and that means being able to accumulate cashback for no more than the cost of interest if you pay interest. It is possible for you to avoid interest by paying off the card balance within 23 days of the close of the billing cycle.
Card management is also easy. Of course, you want to keep track of your cashback, balance, available credit, due date, transactions, and every detail regarding your account. Barclaycard gives you two ways to manage your account. The first is through the customer service hotline and the second is via the Internet.
You can more or less manage your account in the same ways no matter which customer service portal you use. However, the Internet is a good way to see your statements and transactions in front of you. Rather than someone telling you what they see, you can see yourself. You can also opt into paperless billing so that you do not have to have your statements mailed to you. If your computer is secure and you prefer instant delivery of your statements each month, then paperless billing may be for you.
If you do notice that there is fraudulent activity (See: Avoiding ID Theft) on your card when checking it online or through the hotline, you can report it as soon as possible. Through online account management, you can view your account as much or as little as you like and you can check the account online or call from anywhere in the world.
The Upromise World MasterCard is a card issued by Barclaycard that focuses on the cardholder’s needs. In a day and age where people need more out of their credit cards, this one does deliver in the way of its cashback rewards, no annual fee, introductory APR, and the ability to save toward the future.
Barclaycard Ring MasterCard Review (Discontinued)
With the Barclaycard Ring MasterCard, you are part of a social community. This means that your opinions matter on all things related to your card. It’s a new concept and it can save you a lot of money over the course of the year.
What Is The Community?
The community is a group of cardholders just like you. Together, you work with the Barclay Group to establish the benefits and features that are desired. You get to vote and run the card together. This allows you to be in control of everything instead of being dictated to in terms of how things are run.
Just as you would be part of the community as a stockholder, the process is very similar. You choose to be part of the community and then get to vote. More importantly, you share in the profits and losses just as you would as a stockholder. This is a new premise and has been the talk of various financial magazines.
You become a member of the community as your perk. All credit cards have one perk or another. Some give you reward points, others give you miles and others help you establish credit. With the Ring MasterCard, you are able to join the community, which gives you perks in the fact that you can share in the success of the community.
How To Be In Control
With this credit card, you are in control. How are you in control? It depends upon your desired level of involvement. You can simply use the card and shop anywhere that MasterCard is accepted. This means online, in person and over the phone. You can shop when and where you want as long as you don’t exceed your credit limit.
There is nothing wrong with using the card as you would any other card in your wallet. You don’t have to be active in the community if you choose not to. The statements will still come and the options are still out there if you ever change your mind.
If you do want to be in control, you will get opportunities to vote on benefits and features as they become available. You and all the other members of the community will get to voice your opinions. As it is in a democracy, the feature with the highest number of votes is the feature that goes into place.
Unlike other credit cards, this bank wants to hear your opinions. If you have an idea or a suggestion, you can voice your opinion. More importantly, your opinion will be heard by someone in a place of authority to do something about it.
Along with the other cardholders, you are part of the process. When a feature or benefit is up for voting, you will be notified. You can then go online and make your selection. After the voting period is up, you will get to see what the winning feature was and how it will affect you.
Communication is significant with this card. You will see everything written in layman’s terms so you never have to worry about something going on without you knowing about it.
Perks Of Being A Cardholder
When you are a cardholder with Barclaycard Ring MasterCard credit card, you get benefits that you are in control of. If you don’t like something, you have the ability to make suggestions and see changes. All of the terms are easy to understand. Should you wish to be part of the process, you are able to be it’s that simple.
Some other perks that you can enjoy include:
- Giveback Program
- Profit and loss statements
- Low fees
- Online account tools
Based upon the financial performance of your community, you are able to share in the profits. This is part of the Giveback Program that you will automatically be enrolled for. If the social community is doing well, then you do well. It’s one of the benefits to being a cardholder in this unique program.
Profit and loss statements are issued to you each month. This is above and beyond your standard banking statement as it will tell you what you can expect with the card. It will tell you how the community is doing and whether there are profits or losses. This gives you a chance to explore how the community is doing without anyone hiding anything from you.
There are low fees throughout the card. This includes a low APR on purchases, a low APR on balance transfers as well as no annual fee on the card. It will cost you less to own this card in comparison to some of the other cards on the market. Should you wish to save money throughout the year when you buy on credit, these are features you will be glad to have.
Managing your account is an important part of having a credit card. You need to find out what your available credit is, your account balance and even view past purchases that you have made to the card. If you don’t want to wait for your monthly statement to arrive in the mail, you have the opportunity to view everything online. You can access your account anywhere there is internet access, 24 hours a day, 7 days a week. With the online account access, you can also download statements to your computer, send credit payments from your checking account and even schedule payments for later in the month.
Applying for a Barclaycard Ring Mastercard credit card and being in control of the features has never been easier. If you’ve always wished you could change things about credit cards, this is your opportunity to do so. There are a lot of perks with being a cardholder and you can find out firsthand what they are.
Frontier Airlines Word Mastercard Review
The exclusive offers available with Frontier Airlines World MasterCard credit card let you either earn award trips faster or give you more flexibility for saving money while you earn miles. You will even earn bonus miles just for making your first purchase – a bonus that could be enough for one round trip fare!
The Frontier Airlines World MasterCard from Barclaycard is a great way to earn flight rewards as well as save some money through simple, everyday use. There are two ways you can enjoy these benefits so examine the options closely. The options available to you will probably depend on your credit qualifications and will be determined at the time of your application, but you may also have a choice. Either way, you will get great access to credit, which you can use all over the world as you take advantage of the somewhat generous travel benefits available with this credit card. Either way, you will also enjoy the many benefits of a great credit card with competitive fees and interest rates as well as, of course, the ability to earn miles with every purchase.
Opting For The Card With An Annual Fee
If you qualify for or select the Frontier Airline World MasterCard with the annual fee you will enjoy various benefits for a small annual fee, which is quite a reasonable charge. The benefits exclusive to the annual fee card include:
- As many as 25,000 bonus miles upon making your first purchase (that’s enough for one round trip flight!)
- Earn another 10,000 bonus miles (when you charge $750 in the first 90 days of opening your account)
- Receive a 5,000 mile redemption discount on companion fares
- Earn double when you use your card towards purchases with Frontier Airlines
- Earn a single mile on every dollar charged to your account
Opting For The Card Without An Annual Fee
If you opt or are approved for the card without an annual fee you will also enjoy similar benefits. Again, look closely to better determine which card suits your needs best. The benefits to the card with no annual fee include:
- Earn 5,000 bonus miles upon making your first purchase
- Earn a single mile on every $1 charged towards Frontier Airline purchases
- Earn one mile for every $2 charged towards all other purchases
The Shared Benefits
Since these cards share the same issuer and partner, they also share a few benefits too. Benefits that these cards share include:
- The possibility to earn up to an additional 10,000 bonus miles when you make a balance transfer within the first 90 days of opening your account
- Low introductory interest rates on balance transfers for the first 15 months
- Choose from several different card designs
The Online Credit Card Application Process
No matter which options you prefer or what your qualifications might be the application process is still the same. You can access this application quickly and easily over the internet. The application will request, obviously, specific information that is necessary for processing your identity and credit history. Thus you can expect to provide your personal information like your full name, date of birth, social security number, and your mother’s maiden name. These are common requests for all credit card applications.
Of course, you will also have to provide various types of contact information, which helps to open an account with an accurate means by which to reach you. Thus you should be prepared to give them your street address, home telephone number, and your E-mail address. Finally, you may also have to supply information regarding your income. This could include your employment status, the address and phone number of your employer, and your total household income. This information, of course, helps to ensure that you are eligible for credit and that you will be able to make your regularly scheduled payments.
If you plan to take advantage of the balance transfer bonus mile benefit you can actually get a head start on it by filling out the balance transfer section of the online credit card application. You can list the accounts from which you would like to transfer balances as well as the amount you wish to transfer. There are a few very important things you need to remember, though, if you choose to take advantage of this feature:
- Balance transfers can only be made on amounts between $100 and $20,000
- Every balance transfer will be assessed a fee (which could be a flat dollar amount or a percentage of the transaction)
- The balance transfers can take up to 10 days to process (during which time you can cancel the request if you so desire)
- Balance transfers will be charged interest according to your assigned rate schedule as long as you still have an existing balance, just the same as standard purchases
Existing Early Returns Members
There is one more option you may fill out on the application but it only applies to applicants who are current members of the Frontier Airlines EarlyReturns Program. If you are a current member, you can expect to provide the application with some information regarding your EarlyReturns program membership. Obviously this includes your EarlyReturns program membership number but they may also request to know whether you intend to use your card for cash advances and how often you typically use your existing cards to do so. Finally, you will also have the opportunity to choose if you want express delivery.
Whether you travel for business or pleasure, seasonally or all year long, these Frontier Airlines World MasterCard cards from affiliate partners Barclaycard and Frontier Airlines make it easy to get where you need to go. A 15-month introductory period makes it easy to earn miles as you take advantage of the extremely low-interest rate on balance transfers.
BaclayCard Cards Review Recap
Barclaycard Barnes & Noble Mastercard – The Barnes & Noble Mastercard gives you freedom to do what you want when you want and rewards you for that activity. You can receive both statement credits after making eligible Barnes & Noble purchases and you can receive points for all other purchases made anywhere in the world where MasterCard is accepted.
Barclaycard Arrival World Mastercard (Discontinued) – The Barclaycard Arrival World Mastercard will help you get moving to the places in the world you have already wanted to see by rewarding you for using your card in the way of discounted or free travel. The miles that are awarded can be used to redeem for travel, gift cards, and much more while enjoying a number of other exclusive benefits.
Hawaiian Airlines World Elite Mastercard – The Hawaiian Airlines World Elite Mastercard provides its cardholders with certain conveniences so that they can get the most out of their credit card. Those conveniences include concierge service, lost luggage reimbursement, rental car protection, travel assistance, and access to exclusive events.
Barclaycard Rewards Mastercard (Discontinued) – Earning rewards with the Barclaycard Rewards Mastercard is simple. With an online application, people can find out if they are approved for the card in just seconds. Almost immediately, benefits begin. Features of the card include rewards, account management and more.
Upromise World Mastercard – It is common for many people nowadays to look for safe and effective ways to use their money. The Upromise World MasterCard gives cardholders the opportunity to earn cashback and use that money toward their futures. With no annual fee, an intro APR, and all of the things that the card has to offer, it is one that puts the cardholder first.
Barclaycard Ring Mastercard (Discontinued) – The Barclaycard Ring Mastercard is all about the community. The more active a cardholder is in the community, the more they can get back. There are ways to share ideas, vote for features and take a more active presence in the credit card’s functions.
Frontier Airlines Word Mastercard Review – This credit card gives consumers two different kinds of options for saving money and earning bonus miles with Frontier Airlines. Depending on your personal credit history and income qualifications you will enjoy a different range of bonuses and earning rates as well as competitive interest rates and other exclusive benefits.