Bryant State Bank’s MasterCard – Full Review:

Bryant State Bank’s MasterCard, issued by Bryant State Bank, is a credit card for those with moderate to decent credit scores. This card’s greatest attractions are it’s fair pricing (APR) and convenient benefits. It provides helpful emergency and safety features such as “Emergency Cash Advance and Card Replacement,” 0% fraud liability and 24/7 online account access. It does, however, lack the reward structure in which rewards credit cards, cash back credit card and frequent flier credit cards possess.

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The Bryant State Bank MasterCard offers a low introductory rate of 3.25% on balance transfers for 6 months, plus, it doesn’t carry a dreaded balance transfer fee which you can generally see with these cards. This is an extremely favorable feature for those looking to transfer balance(s) carried on their current high APR credit cards. The APR for purchases and cash advances is 11.25%.

Bryant State Bank’s MasterCard List of Features:

• Low Interest Rate of 11.25%*
• Introductory Balance Transfer Rate
• No Balance Transfer Fee
• $0 Fraud Liability
• 24/7 Online Account Access
• Emergency Cash Advance & Card Replacement
• Worldwide Acceptance
• *See Card Terms and Conditions

Rebuilding credit with CitiBank’s Secured MasterCard

For those in the credit building phase and whom perhaps also would like open a high yield savings account, CitiBanks’s new secured MasterCard + 18 month CD (certificate of deposit) offer may be just the right tool. This offer gives you the opportunity to knock down both of these birds with one stone.

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Here is what you get… You open a CD account with an amount of between $200 to $25,000 and you will then be issued a secured credit card through CitiBank with that amount as your spending limit. They report your account performance to major credit bureaus, and after 18 months, you could become eligible for an unsecured Citi Platinum Select credit card. Meanwhile, you’ll earn a competitive annual interest rate on your CD. Here is what we particularly like about this account, the 18 month CD you purchase comes with an unheard of interest rate of 4.17% APY. To put this offer in perspective the current national average for 24 month CD’s sits at roughly half this rate.

Build Your Credit History

With no minimum income or co-signer required, it’s simple to qualify for this credit card, so you can start building a record of account performance for future borrowing purposes.

Important Credit Card statistics:

• $29 annual fee
• 13.24% APR variable credit limit