Credit Cards in New Jersey - New Jersey Loans and Credit

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Explore Credit Card Benefits

Having a credit card and building your credit is important. Here are some of the benefits of having a great credit card.

Advantages of Credit Card

Convince

Credit cards save you time and headache. No more having to keep cash on hand or find a nearby ATM.

Purchase Protection

Most debit cards, checks and cash won’t help you get your money back when your new purchase breaks or your flight gets canceled. Having a credit card makes getting your money back easily in those situations.

Rebates and Bonuses

Credit cards offer a ton of bonuses and rewards to members. For example, with cash back credit cards can offer discounts of up to 6% on purchases you make in person.

Record Keeping

Using a credit card helps you simply track and monitor your expenses.

Help Your Credit

A credit score is to report how well you manage your credit accounts. With no credit cards there isn’t much to score that is why having and using a credit card is important.

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Rewards

Cash Back Credit Cards

Cash Back Cards allow consumers to earn cash rewards for making purchases. On average, card users earn around 1% cash back on total purchases although some cards offer higher cash back percentages on certain purchases.

Travel Rewards

Travel reward cards are specific to travel and hotels. You can earn points on all purchases and earn bonus points when traveling. These points can be redeemed for free stays and upgrades on hotels.

Gas Rewards

There are two types of gas rewards, general and brand specific. With general gas reward cards gives you cash back on all purchases and bonus rewards for using the card towards gas. A brand specific card gives cash back on all purchases and extra rewards for using the specific gas company as well as a rebate off the price of a gallon.

General Reward Cards

Similar to cash back cards, general reward cards allow consumers to build points. These points can be exchanged a multitude of items including gift cards, travel, fashion accessories, and many others.

Retail Rewards

These rewards are accumulated by making everyday purchases. but rewards for specific retailers tripled or doubled. These rewards point must be rewarded at the retailer specified.

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Apps & Digital

Mobile Applications

Track, monitor and manage your card all from your phone with credit card application. Applications are offered by most card companies and help you get the most out of your card.

Hassle Free Card Management

With multiple ways to manage your card, there is no longer a need to call a card company and have to wait to deal with a representative. Simply complete nearly all card management features online.

Online Management

Manage and monitor your credit card activity all online.

Online Features

Mobile banking features allow you to pay your bill, transfer a credit card balance, check or redeem your rewards, report a lost or stole card, dispute a credit card charge and check your credit score all online.

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Security

Purchase Notifications

Stay on top of your spending and prevent fraud with notifications when your card is used right on your mobile device.

24 / 7 Customer Service

Get the help you need when you need it with 24/7 support. This is a feature offered by nearly all card companies.

Chip Protection

Credit Cards come equipped with an EVM chip. The advent of EMM chip cards is a technology that secures the transactions with enhanced functionality. In simple terms an EVM chip adds an additional layer of security and helps prevent fraud of your card.

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Card rate and fee information

Being an educated consumer is essential when getting a credit card. Here is some information to help you better understand credit cards.

Interest rates and Interest charges
Purchase Annual Percentage Rate (APR)
A credit cards interest rate is the price you pay for borrowing money. For credit cards the rates are represented by a yearly rate known as the annual percentage rate (APR). These APRs will vary with the market based on the Prime Rate and your credit score.
Balance Transfer APR
A balance transfer APR is the interest rate you pay when you pay on balances that you transfer to your credit card. A balance transfer can be a great way to save money on higher interest rate debt.
Cash Advance APR
A credit card cash advance is money borrowed against your credit limit. Similar to taking money out of an ATM with you debit card, but the money comes from your credit limit. You then need to pay back that cash withdrawn with interest, the APR on the money withdrawn varies card by card.
Default APR and When It Applies
On most credit cards you can avoid having to pay interest on purchases if you pay your balance in full each month by the due date.
The Default APR may be applicable to your Account if you:
- Fail to make any Minimum Payment by the date and time due (late payment); or
- make a payment that is returned unpaid.
Grace Period
The time your credit card company gives you between purchase and payment without having to pay interest is known as a grace period. The grace period runs from the end of your billing cycle till the next payment due date.
Minimum Payment
The smallest amount you can pay on your credit card in order to avoid late fees and remain in good standing is referred to as the “minimum payment”. If you make the payment or pay less than the minimum your payment will be late and you could be charged a late fee.

Credit Card Fee Information

- - Credit Card Fees
  - Annual Fees
    An annual fee is a fee that the card company may be charge you on a yearly basis for maintaining a credit card. Not all credit cards have an annual fee.
  - Balance Transfer Fee
    A cash advance fee a fee applied when you make a cash advance or an equivalent transaction, an example would be overdraft protection. The fee is generally the largest of either 5% of the advance or $10.
  - Cash Advance Fee
    An annual fee is a fee that the card company may be charge you on a yearly basis for maintaining a credit card. Not all credit cards have an annual fee.
  - Expedited Payment Fee
    A fee that is charged when you make a last minute card payment to avoid being late. The fee is usually $10-$15 which is less than the late payment fee.
  - Finance Charge
    The finance charge is a monthly interest charge added to your account for the convince of carrying a credit card balance beyond your grace period.
  - Foreign Transaction Fee
    Charged when you make a purchase in a foreign currency. Some cards don’t charge a foreign transaction fee. The fees are typically 3% of the transaction amount.
  - Over the limit fee
    Fee charged when you exceed your credit limit. This is not an issue for most cards because when transactions that exceed your credit limit will be declined.
  - Late Fee
    Fee Charged any month that your minimum credit card payment. Every credit card will have some type of late fee. Late fees are a fee that you must avoid. The charge of a late fee can be as high as $40.
  - Returned Check Fee
    This is a fee that is charged when you’re bank returns your credit card payment. This is usually result of not having enough money in your checking account to pay the card company. The fees can be up to $35 and charged each time this event occurs.
  - Some Less Common Fees
    – Application or processing fee: one time fee charged for just applying for the card. This is common with cards aimed at applicants with poor credit.
    – Credit limit increase fee: charged when you request a credit limit increase on your card
    – Credit card replacement fee: Charged when your card is replaced in a short amount of time since your last credit card replacement.

Compare and Get Connected to Credit Cards In New Jersey

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Annual Fees

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Low APR

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Fraud Coverage

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Get Connected To Credit Cards In New Jersey

Credit Card Connection System Coming Soon!

Explore Credit Card Benefits

Advantages of Credit Card

Convince

Purchase Protection

Rebates and Bonuses

Record Keeping

Help Your Credit

Rewards

Cash Back Credit Cards

Travel Rewards

Gas Rewards

General Reward Cards

Retail Rewards

Apps & Digital

Mobile Applications

Hassle Free Card Management

Online Management

Online Features

Security

Purchase Notifications

24 / 7 Customer Service

Chip Protection

Want to see and compare card offers?

Card rate and fee information

Interest rates and Interest charges

Credit Card Fee Information

Credit Card Fees