Home > > Elite Rewards Platinum Plus MasterCard

Elite Rewards Platinum Plus MasterCard

No Annual Fee. No Program Fee.
Earn one point for every purchase dollar
Earn Bonus Points for every dollar you spend at participating merchants

2.9% Annual Percentage Rate (APR)† for Cash Advance Checks and Balance Transfers.*

CREDIT LINE UP TO $100,000 WITH PLATINUM PLUS® CARD.

You spoke, and we listened. We designed the new Elite Rewards® Platinum Plus® MasterCard® credit card to feature one of the most comprehensive rewards programs on the market. There has never been a better opportunity for you to go anywhere you want or get virtually anything you want with a credit card rewards program.

Here are the facts:

• No Annual Fee. No Program Fee.
  
• Earn one point for every purchase dollar in net retail purchases you spend with your new Elite Rewards® Platinum Plus® MasterCard® credit card.§
  
• Receive 500 Bonus Points after first retail purchase.§§
  
• Earn Bonus Points for every dollar you spend at participating merchants.§§§§
  
• Check your Elite Rewards points balance, view rewards, and redeem points online at www.eliterewards.com.
  

• Fly on major U.S. based airlines, no blackout dates.
  
• Enjoy hotel stays and AVIS® car rentals.
  
• Receive gift certificates/cards redeemable at top retailers and restaurants.
  

DID YOU KNOW?

	Debt consolidation has several advantages. For the most part, many consumers are unable to eliminate their debts. High finance charges and late fees keep many people in the hole. Fortunately, there is an easy solution to becoming debt free within a few years. Debt and bill consolidation services are intended to help consumers lower their debt. It is the best method to becoming debt free without obtaining a loan. Advantages of Bill and Debt Consolidation Services The major advantage of debt consolidation services is the ability to legally reduce and eliminate your debts within record time. Credit card payoff calculators are ideal for estimating approximate payoff dates. For example, applying $50/month to a $5,000 balance will take you approximately 19 years to payoff the credit card. Incurring additional chargers will extend the payoff time. Debt and bill consolidation services can help you become debt free is less time. Services will help you manage your finances. Moreover, they will contact all your creditors and negotiate better rates. Additionally, if you have excessive late fees, debt and bill consolidation services attempt to get fees waived. Once your finance fees are reduced, a large portion of your monthly payments will go toward reducing your debts. In some instances, the service can negotiate 0% interest rates for a specific period. Trying to negotiate a lower rate without the assistance of a debt and bill consolidation service is tricky. How Do Debt and Bill Consolidation Services Work? If using a debt consolidation service, future payments are submitted to the agency. In turn, the agency will make payments to creditors. While working with a consolidation service, your credit accounts are frozen. Therefore, you will be unable to incur additional chargers. You may cancel the service at anytime. At that point, credit accounts will be unfrozen. Choosing the right debt and bill consolidation company requires research. You must qualify for a service. As you begin your search, compare and contrast various services. What is the minimum and maximum debt amount? Is there a monthly service fee? For the most part, qualifying is easy. Consolidations require no credit checks or collateral. Hence, there is a program suitable for everyone.

If you have been plagued with credit problems in the past, I would like to welcome you to your future! The first step in the process to rebuild credit is to get a new credit card. While many people will debate the best type of credit card such as secured or unsecured, I would argue that the type does not matter! What matters most is getting something and using it effectively!

The old school idea on credit was to get a card, make a large purchase and pay for it over time with no late payments. Today, that rule has changed! While making payments on time is VERY important, making the large purchase is the wrong thing to do! The way credit scores are made up, large revolving accounts (like credit cards) with high balances actually hurt your score. They figure that if your card is nearly maxed out, so is your budget and one emergency such as a flat tire could make you late on other payments.

The trick to maximizing your credit score is to use your credit card as a tool. No matter what your credit limit is, keep the charges to 20% or less of the limit. In other words, if your credit limit is $500, charge no more than $100 to the account. The most effective program is this....

When you get your bill each month, pay off the complete balance. Then each month simply make a small charge, like a tank of gas, gym membership or something else you normally would do anyway. Don't use the card for dinners or special sales... only small charges ($30-40). Then again, as your bill arrives each month, pay off the balance. Each time your bill is sent out, the balance is reported to the credit bureaus. So you will always show a $30-40 balance, recent activity, and no late payments. You won't even pay interest on your charges since they are paid off each month! But the activity and low balances will kick your credit score into overdrive in a short period of time!

If you use credit as a tool and not as a gift card, you will be able to get the best deals on everything you need. It just takes balance and determination.

Best of luck!