More than just a pretty interest rate indeed,... with everything going down the toilet, this is probably one of the very best cards to apply for right now folks. As before, there's no annual fee, and there is a rewards program, but the gem of this card is the super low 2.99% APR that you get for the first 12 months of those balance transfers. This is NOT going to last folks so get it now while you can. AMERICAN EXPRESS BLUE APPLICATION

• Update: If you prefer the Blue Cash and still don't have one, apply for that uber popular card here. AMERICAN EXPRESS BLUE CASH APPLICATION

If you need to check something really quick, here's another company that's offering their credit monitoring services with a free 7 day trial. If you don't need their service, be sure to cancel within the 7 days,... otherwise, you can check it out for 1 month (paid or 7 days for the trial) and see if it's something you want to keep. I had mine on before with a separate company and it gave me a great starting point. Check it out. 3 IN 1 CREDIT REPORT AND SCORE WITH FREE 7 DAY TRIAL

This is one of the very very few people who I've seen who actually offer what appears to be legitimate credit repair assistance. These guys are calling it a service, but I know that no one company can truly offer a full credit repair service. HOWEVER, they can provide assistance giving you valuable guidance as to what is what, what needs to be done, and all of the dispute assistance you'll need to clean up your credit report. We're in quite a mess so it's more important now than ever to make sure your credit worthiness is as high as it can be. VERACITY CREDIT REPAIR SERVICE

$50 cash back with your first purchase. 3% cash back is nice as it is based on your top 3 categories (not even by specific merchants) but the main thing with this card is the $50 cash back. It's essentially free money for whatever you purchase. Buy something for $50, and you just got it for free. Buy something for $100, it's essentially 50% off whatever you just picked up, and so on. Hurry though because these types of consumer offers never last long and if they pull it, you'll just have to wait till next year (or some sense). Your credit history does need to be clear of bankruptcy, seriously delinquent accounts and you cannot have some previous application with Chase where you were denied credit. Otherwise, apply away! CHASE FREEDOM VISA SIGNATURE CARD WITH $50 CASH BACK OFFER

This is a GREAT card to have.  I use mine more and more these days.  It's awesome because you get a lot of cash back from the places you tend to spend the most money.  There's 3% back for gasoline, 3% back at restaurants, 2% for travel, and 1% everywhere else, including Costco!  There's no limit to how much you can earn back too, and there's no annual fee.  To start you off, they give you a $25 credit with your very first purchase!  Of course, the card also comes with the class leading customer service and protection that AMEX is known for.  TRUEEARNINGS CARD FROM COSTCO & AMERICAN EXPRESS

This card is THE hot card to pick up folks. You get up to 15 months of 0.00% APR and even have a super nice 4.99% fixed APR which is extremely rare for those balance transfers, and it's for the LIFE of the balance. As before, there's no annual fee, and there is a rewards program, but the beauty again is the really nice and long 0.00% APR promo and the super low 4.99% balance transfer. Get it now while you can folks. AMERICAN EXPRESS BLUE APPLICATION

• Update: If you prefer the Blue Cash and still don't have one, apply for that uber popular card here. AMERICAN EXPRESS BLUE CASH APPLICATION

We all get a little over our heads with our credit cards sometimes. Maybe it's happened to you and now you've got a ton of debt and the interest is killing you. It's not the end of the world. You can negotiate your debt and these guys can help. Use their Debt Wizard to to consolidate, negotiate, or simply seek advice. Give them a try. DEBT SOLUTION OFFER

It's been awhile since we've seen these offers show up so if you don't have this card, get it now before they pull the free $50 cash back offer. The APR on this card is a bit high so this is not a card that you want to use to carry balances on. However, you do save 3% on your top 3 categories and again, you get $50 back after your first purchase! A good way to use this card would be to have the PerfectCard (or any others for that matter) and then balance out your purchases so that each of your cards are working FOR you instead of against you. Apply soon if you want it because these "free" money offers never last long. CHASE FREEDOM VISA SIGNATURE CARD

• Don't forget to pick up the Chase PerfectCard with 6% cash back on your gas purchases for 90 days! This is the card I mentioned up above which also gives you anywhere from 1-3% back on your purchases. CHASE PERFECT MASTERCARD

All that you hear on the radio to work these days have something to do with the rising cost of gas. No good news, all bad news except that there's always been this card that gave you a 6% rebate on all eligible gas purchases made at any gas station for the first 90 days. Thereafter, you still get 3% gas rebates on all eligible gas purchases at any gas station! You also get a 1% rebate on all purchases made anywhere else. Like most cards, you get a 0% intro APR for up to 6 months, no annual fee and a reward program that is second to none because well, it's Chase! CHASE PERFECTCARD MASTERCARD

This is still one of THE hottest cards to apply for folks. If you don't have one, or if you've got all of the other AMEX cards, this is good one to add to your wallet. You get Unlimited Cash rewards for up to 5% each time you use the card and they've now introduced a new 4.99% FIXED APR for your balance transfers! You also get a nice 0% APR on your purchases for 6 months! BLUE CASH FROM AMERICAN EXPRESS

• Update: Don't forget the other "Blue" cards from American Express. The Blue (no cash, just Blue) card gives you 0% APR for up to 15 months on your purchases which is great if you need to make one big purchase and want to pay it off over the course of a year-ish. There's no annual fee, and it comes with the same 4.99% fixed APR. And the Blue Sky gives you 0% introductory APR and a point for every dollar you spend that goes towards any airline, hotel, car rental or MORE with NO black out dates or travel restrictions (you've seen the commerical I'm sure). Both of these cards come with the same top of the line service that you get from all American Express cards.
  • BLUE FROM AMERICAN EXPRESS
  • BLUE SKY FROM AMERICAN EXPRESS

If you have a variable rate loan, you better lock it down while you still can! These guys would be perfect for that. They are easily one of the best in this field because of their wide range of services and ease of use, there's good reason why Lower My Bills has been featured and showcased in the Wall Street Journal and The New York Times, as well as CNN, Money magazine, Dr Phil and a bunch of other places on TV! Check out the following two new applications for you. As before, there are NO obligations or commitments for you to find out what is possible for you this coming year.

The nice thing about WaMu is that you can actually go to a physical branch if you have to and still enjoy their high-yield 3.30% savings account! Combine that with their Free Checking account and you have your one-stop-shop for all your banking needs. Still not convinced, check out the other perks:

• Waived Fees
• Free Checks for Life
• Cash Back on Debit Card Purchases
• Free ATM Cash Withdrawals

The cash back is only 3 cents, but every little helps, right? Also WaMu's website is rated really high in terms of functionality and ease of use. Give it a try, it takes only 7 minutes to set up an account! This offer is only good online. 3.30% HIGH-YIELD SAVINGS FREE CHECKING ACCOUNT OFFER

Savings accounts at the local bank are never going to match the rates of the best online bank. Makes sense, since the online branch doesn't have to pay tellers, branch managers, utilities, and a lease. But let me tell you why I like to bank online:

• No long lines.
• Can check my account at any time, anywhere with Internet.
• Highers rates - 2.45% APY - One of the highest savings rate in the country.
• No Monthly Fees
• No minimum balance requirement.

You can actually get a higher rate putting it into an online CD, but that locks your money. And who knows how wildly inflation is gonna swing. Liquidity is nice in this unpredictable economy. HSBCDIRECT 2.60% APY SAVINGS ACCOUNT

QuickBooks Pro Edition 2008 makes accounting easy with tools to organize your finances all in one place. Right now, get 20% off QuickBooks Pro, both the CD and downloadable versions, plus free shipping! (exp 6/30/08) 20% OFF & FREE SHIPPING ON QUICKBOOKS PRO DEAL

Another good one to use to check your credit report folks. Never a bad time to check, always good to keep tabs so that you don't have some random guy buying 12 surfboards 400 miles away with your identity (happened to yours truly here,...) Your free credit reports is their way of saying "thanks" for becoming a trial member (7-day trial) to their Privacy Matters program. Cancelling with them is really easy too. You just call their automated phone line and it only takes like 30 seconds if you don't want to continue after. FREE CREDIT REPORT AND SCORE PROMO

Only a few days left to take advantage of perhaps the best, easiest way to open a free online bank account and make $25 or more!  You don't even need to deposit anything, just sign up and get $25, plus get $10 per new person you refer (up to $500).  I just signed up and the $25 was sent in less than 60 seconds.  This is a true bank account (Account issued by First Bank & Trust, Brookings, SD, Member FDIC and part of the Fishback Financial Corporation), that works sort of like PayPal, except it's *ahem* free.  There's FREE member to member transfers and FREE wire transfers from your regular bank account too, something you don't get with PayPal.  It's funded by Citi, Morgan Stanley, Deutsche Bank, Revolution LLC, and on its board of directors is the former president & CEO of MasterCard, Co-Founder of AOL, Former Chairman & CEO of Fannie Mae, Former CEO of Charles Schwab, and more!  Anyhow, this is set to expire 5/15/08, though there is always the possibility of it being pulled earlier.  Don't wait and miss out.  FREE $25 WITH SIGNUP

• Update: Check out these 3 different accounts, quick and easy to get that money: 1    2    3

This is perhaps the best, easiest way to open a free online bank account and make $25 or more!  You don't even need to deposit anything, just sign up and get $25, plus get $10 per new person you refer (up to $500).  I just signed up and the $25 was sent in less than 60 seconds.  This is a true bank account (Account issued by First Bank & Trust, Brookings, SD, Member FDIC and part of the Fishback Financial Corporation), that works sort of like PayPal, except it's *ahem* free.  There's FREE member to member transfers and FREE wire transfers from your regular bank account too, something you don't get with PayPal.  It's funded by Citi, Morgan Stanley, Deutsche Bank, Revolution LLC, and on its board of directors is the former president & CEO of MasterCard, Co-Founder of AOL, Former Chairman & CEO of Fannie Mae, Former CEO of Charles Schwab, and more!  Anyhow, this is set to expire 5/15/08, though there is always the possibility of it being pulled earlier.  Don't wait and miss out.  FREE $25 WITH SIGNUP

• Update: Check it out, quick and easy, we hit the max: $525 FREE CASH

Ok, this is a business card. But, similar to our Dell Small Business deals, all you need to do is be your own business and get signed up. It asks for your social security right there on the front and you can begin transferring your balances to this card to ease up some of your pain. It comes with all of the normal goodies so if you're hurting in this current climate, this is a great card to consider. ADVANTA LIFE OF BALANCE PLATINUM CARD APPLICATION

Probably one of the few that actually gives you a real life person to talk to. If you're like us normal folks who have normal banking to do, small business, DBA and all that included, these guys are one of the best around. You get free checks delivered straight to your doorstep, free outbound wires, and a savings account that gives you 3% interest. Personally, I find that talking with the tellers face to face instead of through some bulletproof plexiglass refreshing. Apply online and get everything set up in just 7 minutes. FREE CHECKING ACCOUNT PROMO

You get to see your FICO score, check out your credit and it's all included in this full featured trial that gives you a monitor that alerts you each time there's a blip on your credit report! There are a bunch of very convenient options for you to choose from so if you like what you see (aside from your credit score and report) you can continue on for just $10.95, which is the most economical among the others, but is only for the Equifax (one of the big 3). Check it out. FREE 30 DAY TRIAL WITH FREE FICO SCORE AND CREDIT REPORT PROMO

These guys are OG folks. They've been around for a VERY long time and I mean, a long time. They know their business, they know what they're doing and they may not have a cute little jingle that you can't get out of your head, they've always delivered on everything that I've needed in the past in checking my credit and score. Sign up today, get your Experian score, credit report, toll free support, all of the online support you'll need, and a free trial membership into their credit check program. If you like the service, just continue on for $11.95 a month! FREE CREDIT REPORT AND SCORE WITH FREE 30 DAY TRIAL MEMBERSHIP PROMO

No annual fees, online account access, $0 fraud liability and all of the goodies that you get from the major credit card guys with now up to 20% off some of the top online retailers! DISCOVER MORE CARD APPLICATION

Get the card that started the cash back craze! One of the most popular cards EVER, if you don't have one, or just are finding out about it, you definitely should apply today. If you don't already know, American Express has some of the best "offers" and goodies to be included in any credit card and is easily one of the best looking as well. Not that it helps you, but just saying is all. Check it out. BLUE CASH FROM AMERICAN EXPRESS CARD APPLICATION

• Update: This American Express' OTHER Blue card,.... Its main benefit is the nice long 0.00% APR on your purchases for up to 15 long months. (instead of a 5% cash back, the long stinking 0% APR is what you get) This one too, you also get the low 4.99% fixed APR on the life of the balance on any of your balance transfers. And like its more popular sibling, you get the no annual fee. Apply here. BLUE FROM AMERICAN EXPRESS CARD APPLICATION

We're now 3 months in folks, and you should check your credit about once every 3 months. If you've used up your other freebies, you can always turn this one which you see on TV every single day. You get the free credit report that checks all 3 Experian, Equifax, and TransUnion, and you get a $50,000 Triple Advantage Guarantee. If you don't like what you see, just cancel within the week and be out nothing! Otherwise, continue on for just $12 a month! FREE CREDIT REPORT WITH $50,000 TRIPLE ADVANTAGE GUARANTEE

First off, these guys actually care about the TransUnion report and score, which is if you want to be technical the OG of the credit reporting agencies. However, they do give you all 3 of the reports and scores that you'd want and need, as well as an additional $25k in theft insurance as a bonus for checking out their services. Keep in mind, with all of this emphasis on the Experian report, the TransUnion is one of the more stricter, and for the "older" among us, one that has the longest history and, as such, one that is nearly always checked when looking at big purchases from lenders. These guys are also one of the most economical at only $11.95 per month after your trial (which you should NOTE that if you DON'T click through our offer link, it's $14.95 instead),... or just cancel before hand and be out nothing. UNLIMITED CREDIT REPORTS AND SCORES WITH 30 DAY FREE TRIAL PROMO

You get 1 point for every dollar you spend, 1000 bonus points with your first purchase (kind of like a $1000 head start), and a 0% fixed APR for up to 12 months for all of your purchases and balance transfers. The Free Cash rewards part is that you can get a straight $25 check or a $25 gift card/certificate to use at one of the hundreds of merchants that they offer. And let's not forget, this is a Chase card, one of the best to have in your wallet. CHASE FREE CASH REWARDS VISA CARD APPLICATION

• Update: Don't forget my personal favorite. The Chase PerfectCard MasterCard that gives you 6% rebate on all of your gas purchases for the first 90 days and then a respectable 3% thereafter! Of course, all of the goodies still stand here like the 0% intro APR, no annual fee, and so on. CHASE PERFECTCARD MASTERCARD APPLICATION

No annual fee, no late fees, no over limit fees, no balance transfer fees, no cash advance fees, no doggy fees, no kitty fees, no multiple axle fee, no gas guzzler fee, no fees period folks. You even get $25 to spend however which way you want for every $2500 you spend, you've got flexible payment terms, and of course, you get ALL of the goodies that you have with any other American Express. Approval is in 60 seconds so you can add to your Amex collection today! CLEAR FROM AMERICAN EXPRESS APPLICATION

Star planning for credit success in 2008 with FICO Credit Complete - that's all 3 FICO scores and credit reports. Setting tomorrow's goals begins with knowing today's credit picture. Plus, for the first time, get 25% off FICO Credit Complete when you use code: GOALS25 through 1/31/08! DEAL FOR 25% OFF FICO CREDIT COMPLETE

What I didn't write is that for each additional card member you add to your account, you get another 2500 bonus miles! Add the whole family and get some SERIOUS points people. But what most people don't know about this card is that it also automatically protects against and will match an additional 1 year to the manufacturer's original warranty. If you lose your Canon digital camera while on top of that siberian tiger in Thailand, this card will replace it, no questions asked. You also get double points for traveling if you make purchases at supermarkets, drugstores, gas stations, home improvement and hardware stores, or the U.S. Postal Service. And if you already have an American Express card, they'll drop the annual fee down to just $30 after the initial FREE first year. AMERICAN EXPRESS GOLD DELTA SKYMILES CARD

• Buyer's Assurance - Matches and adds 1 additional year to anything you buy of the original manufacturer's warranty!
• Online Fraud Protection Guarantee
• Purchase Protection Plan - Protects your purchase against accidental damage and theft for up to 90 days!
• Car Rental Loss and Damage Insurance
• Travel Accident Insurance
• And a host of others. Sign up today! AMERICAN EXPRESS GOLD DELTA SKYMILES CARD

Got debt? Need to pull yourself out? Need a breather? We all do,... and this is one of the cards to do it. You get 0% for up to 12 months on your purchases AND balance transfers and all of the other benefits of owning a Chase card! Free travel services along with insurance, interest free grace periods and the security and confidence of being a part of one of the largest credit institutions on the planet! CHASE PLATINUM MASTERCARD APPLICATION

• Update: If you're a business owner, this is a hot card for you! Like the American Express Blue, you get a whole mess of business benefits along with the same 0% APR on your purchases and balance transfer all in nice neat Visa card backed by the same huge credit institution that everyone knows. CHASE PLATINUM BUSINESS VISA CARD APPLICATION