Welcome To JEMCreditCards.com

While you are here, we urge you to inform yourself about credit cards and really do some comparisons before filling out an application. Proper use of credit cards can positively affect your financial livelihood. However, improper use of credit cards can lead to severe financial hardships and bankruptcy. If this is your first time researching credit cards, we request that you read the following articles:

How To Properly Use Credit Cards

The Different Types Of Credit Card Interest Rates And How They Work

Searching For The Best Credit Card? Here Are Some Tips!

A Bit About The Main Credit Card Issuers!

Chase Cards

• JPMorgan Chase (NYSE: JPM) is a leading global financial services firm with assets of $2 trillion.

• We operate in more than 60 countries.

• We have more than 200,000 employees.

• We serve millions of U.S. consumers and many of the world’s most prominent corporate, institutional and government clients.

• We are a leader in investment banking, financial services for consumers, small business and commercial banking, financial transaction processing, asset management and private equity.

• We are a component of the Dow Jones Industrial Average.

• Our entities: JPMorgan Chase is the brand used by the firm’s subsidiaries and our Community Development Group.

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Discover Cards

Discover cards are becoming more and more popular amongst American consumers throughout the years! Lately, Discover has been releasing industry leading offers for balance transfer credit cards, rewards credit cards and cash back credit cards. As most banks look to save money by reducing rewards and introductory periods, Discover strives to impress customers by offering the lowest introductory interest rates for longer periods, more rewards and better redemption offers! The reason that we have chosen Discover Cards for the first bank to talk about is because we believe that consumers are more satisfied with Discover than any other bank! As a matter of fact, this has been proven through multiple studies! Weather you are looking for Discover cards to enjoy lower interest rates, better rewards, better customer service or a combination of the three, Discover Card customers tend to be happier than the customers for any other credit card company!

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Would you like to find out more about Discover Cards? Please read these articles:

The Discover Card

Discover Cards Now Offering More To Students

Why Discover Balance Transfer Credit Cards Are Taking Over The Industry

American Express Credit Cards

American Express is yet another issuer that never ceases to surprise our editors at JEMCreditCards.com! Over the past decade, American Express has demanded the attention of many consumers throughout the United States. While other credit card issuers tend to focus on things like balance transfers and lower introductory interest rates. American Express’s claim to fame is better rewards and lower long lasting interest rates. With credit card offers designed for all consumers from business men that travel often to the average consumer that enjoys other types of rewards, American Express is becoming a growing interest amongst consumers throughout the United States!

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Would you like to find out more about American Express Cards? Please read this article:

American Express Credit Cards | Offering Exceptional Skymiles Rewards

A Bit About The Different Types Of Credit Cards

Skymiles Credit Cards

It is a commonly known fact that the credit card market is a competitive one! Hundreds of banks with ridiculous marketing budgets are looking for newer and newer ways to attract customers like you! One of the best ways the banks are able to attract customers is to offer rewards. Skymiles rewards are relatively new to the credit card industry and are one of the many ways that banks attract their credit card customers.

Skymiles credit cards are a specific type of credit card that allows the consumer to earn points with purchases made using these cards. The points are saved up until the consumer has enough “skymiles” to trade for a reward such as a plane ticket or hotel room.

To qualify for a skymiles card, consumers generally need to have a credit score that lands them in the range between good and excellent credit. This is because the rewards obviously cost the banks money. In return, the banks want to make sure that the consumers earning the skymiles can be entrusted to pay back their loans. If you are a consumer with generally decent credit and you enjoy traveling, skymiles cards may just be your best fit!

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Would you like to find out more about skymiles cards? Please read this article:

How To Compare Rewards Credit Cards

Balance Transfer Credit Cards

Balance transfer credit cards have been used in a wide array of ways. The fundamentals of balance transfer cards are simple enough to understand. Banks are continuously competing for business. Some banks may offer cards with lower interest rates than others. To gain customers, banks have created balance transfer credit cards which allow consumers to transfer balances from one high interest rate card to a relatively low interest rate card with minimal cost.

In comparing balance transfer credit cards, it is important to keep a few things in mind. First off, balance transfer cards generally offer an introductory interest rate. If you have excellent credit, it is important to settle for nothing less than a zero percent introductory interest rate.

Another thing to keep in mind is that balance transfer cards usually come with transfer fees that range from 3% to 5% of the amount being transferred. Although in most cases, the fee is well worth the savings, in some cases it may not be worth the transfer. Make sure to weigh the pros and cons of each balance transfer credit card before making your decision.

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Would you like to find out more about balance transfer cards? Please read these articles:

Balance Transfer Credit Cards Explained

How To Compare Balance Transfer Credit Cards

Cash Back Credit Cards

Cash back credit cards are yet another method that banks use to bring in more clients. In most cases, if you are a cash back card holder, you are ready to make money using your credit card. The way cash back cards work is simple. The bank will issue the cash back card to a credible borrower. The borrower will use the credit card for general purchases and for every dollar spent, they will earn cash back points that are good for redemption later.

Cash back cards tend to have higher interest rates than the average credit card which is the reason it is more important than ever to use these cards appropriately. In most cases, consumers will use their cash back card for purchases that they would generally use cash for. At the end of the month, the wise consumer pays back everything that was spent on the card to avoid interest and finance charges. This is the best way to go about using cash back cards.

When it comes to cash back cards, they are offered by many different banks who each have their own policies and terms and conditions. It is important that when comparing these cards, you do the best apples to apples comparison and ensure that you apply for the card that fits your financial needs.

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Would you like to find out more about cash back cards? Please read this article:

Is It Really Possible To Make Money Using Credit Cards?

Rewards Credit Cards

Rewards credit cards come in many different way but tend to follow the same general principals. When a consumer utilizes a rewards credit card, they are generally rewarded with points that can be used towards a wide array of redemption offers. Rewards credit cards came about as a way for banks to market their credit cards in such a competitive industry.

Because the term rewards cards is such a loose term it is important to really compare these cards. Although to banks rewards cards are just another marketing ploy to help them grow, to consumers, rewards cards are much, much more. They are what offer some consumers the ability to take a yearly vacation or purchase that big scree T.V. that they have wanted for a while. When shopping for a rewards credit card, it is important to be certain of the types of rewards you generally would like to receive. For instance, Jack that shops a lot but hates to travel should not get a skymiles rewards card, he should go more for a cash back or gift card rewards credit card. To get the most value out of your rewards credit card, it’s important to use a card that offers rewards that you would want to use.

While searching for a rewards card, you should keep in mind that rewards should not be your main reason for choosing a credit card. Always choose the card that fits you and provides financial security!

Compare Rewards Credit Cards

Would you like to find out more about rewards cards? Please read this article:

How To Compare Rewards Credit Cards

Choose Your School!

At JEMCreditCards.com we know that children are our worlds future! This is why education is so important and why we have decided to invest in education throughout the United States. There are way too many schools for us to decide which one to send our donations to and because of this we need your help!

I bet you are wondering how this all works. Well, JEMCreditCards.com makes money every time there is a credit card approval from our website. JEMCreditCards.com will then donate 50% of the earnings from your approval to the school of your choice. Our goal is to donate a minimum of $250,000.00 to schools in the year 2011!

Click Here To Choose Your School