Bank Deals & Rate Specials

Account Type: Credit Card

Special Type: Bonus Points/Rewards Points

Business owners looking to upgrade their rewards program may want to check out the benefits of the Business Platinum Card from American Express OPEN.

This business credit card currently offers 25,000 bonus membership points when you spend $5,000 in the first three months, as well as up to $200 as an airline fee credit and a 20 percent travel bonus if you use the American Express mobile travel app. You can earn membership rewards points for business spending, as well as perks such as access to the Platinum office program and airport clubs.

What you get:

• 25,000 bonus membership points when you spend $5,000 in the first three months
• Up to $200 airline fee credit
• 20 percent travel bonus when redeeming membership points and using travel app
• Two points per $1 on American Express Travel purchases
• One point per $1 on all purchases
• Up to 10 points per $1 on purchases through membership rewards
• Automatic savings of 3-10 percent on business expenses with OPEN savings
• No pre-set spending limit
• Airport club access
• Platinum office club access
• Hotel room and other upgrades
• Unlimited points
• Points never expire

What they require:

• Annual fee of $450
• Must be business owner
• Must be 18 or older
• Must be U.S. resident
• Must meet American Express credit qualifications

Business Platinum Card from American Express OPEN

Account Type: Credit Card

Special Type: Balance Transfer

If your new year's resolution is to reduce your credit card debt, you may want to look into the balance transfer offer currently available from the Slate from Chase credit card. For a limited time, Chase will charge no balance transfer fee if you make the transfer within the first 30 days you have the credit card. In addition, you'll have 15 months of 0 percent APR on purchases and balance transfers.

What you get:

• No balance transfer fee for transfer made within first 30 days of account opening
• 0 percent APR for 15 months on purchases and transfers
• Zero liability on unauthorized purchases
• No annual fee

What they require:

• Must be 18 or older
• Must be U.S. resident

Slate from Chase Credit Card

Account Type: Checking Account

Special Type: Rate

Florida residents who are searching for a checking account with the highest interest rate can earn up to 4.25 percent APY with the Florida Central Credit Union Ultimate Checking Account. Customers who meet only some of the criteria can still earn 2.75 percent APY. The catch? You must be a member of the Federal Central Credit Union, which you can join if your employer is a member or if you live or work in one of 10 central Florida counties.

What you get:

• 4.25 percent APY on balances up to $15,000
• No monthly maintenance fee
• No minimum balance requirement
• 2.75 percent APY on balances up to $15,000 if you meet the first three qualifications

What they require:

• 12 debit card purchases per month
• 1 automatic payment or direct deposit per month
• Paperless eStatements
• Loan balance of $5,000 or more other than credit card or secondary market mortgages
• Minimum deposit of $25
• Must be member of Florida Central Credit Union
• Must be 18 or older
• Must be U.S. citizen or resident alien

Florida Central Credit Union, headquartered in Tampa, was chartered in 1954. It has been NCUA insured since 1991.

Florida Central Credit Union Ultimate Checking Account

Account Type: Credit Card

Special Type: Bonus Points/Reward Points

The Citi Thank You Premier Credit Card is all about rewards. Every time you use the card to purchase something, you'll earn rewards points. With a special promotion, you'll earn 30,000 bonus ThankYou Points after $2,000 in purchases within 3 months of the account opening. This is equal to $300 in gift cards.

Other opportunities to earn points occur when you use your card at gas stations, supermarkets, drugstores, commuter transportation places and parking merchants. For every dollar you spend at these places, you'll earn 1.2 ThankYou Points. In addition, you'll accrue one ThankYou Point for every dollar you spend on all other purchases. You'll also gain points on your account anniversary, when you sign up for online statements, for the miles you travel when you've paid for the flight with your Premier card, and more.

There's no limit to the number of points you can earn and no expiration. You may redeem your points by phone or online, for your choice of gift cards, travel rewards, cash, electronics and the like.

Also, with this rewards credit card, Citi is waiving the $125 annual fee for the first year.

What you get:

• 30,000 bonus ThankYou Points after spending $2,000 in purchases in the first three months
• 1.2 ThankYou Points for every $1 spent at select merchants
• One ThankYou Point for every $1 spent on all other purchases
• One ThankYou Flight Point for every mile flown when airline tickets are purchased with the card
• No points cap or expiration
• Anniversary bonus each year you're a cardmember
• 200 bonus points for enrolling in Account Online
• 200 bonus points for choosing Paperless Statements
• Extra points when you shop through the ThankYou Bonus Center
• Waived annual fee ($125) for the first year
• No liability on unauthorized purchases
• Online services, including account management and online statements

What they require:

• Must be at least 18 years old
• Must have a valid Social Security number
• Annual fee of $125 the second and subsequent years

Citibank, National Association was established on June 16, 1812 and has been FDIC insured since Jan. 1, 1934. Headquartered in Sioux Falls, S.D., it has 1,331 branches located in 19 states and 281 foreign offices.

Citi Thank You Premier Credit Card

Account Type: Credit Card

Special Type: Rate

Special Type: Bonus Points/Reward Points

The Citi Thank You Preferred Credit Card's current offer can help you pay off purchases or an existing balance on another card with an introductory offer of 0 percent APR for 12 months after opening your new account. Subsequently, the APR on purchases and balance transfers shifts to somewhere between 12.99 and 22.99 percent variable, based on your creditworthiness. The fee to transfer a balance is $5 or 3 percent of the transfer amount, whichever is greater.

In addition, with this credit card, you'll also receive 15,000 bonus ThankYou Points after you make $1,000 in purchases within the first three months. You may redeem these bonus points for your choice of gift cards good at leading national merchants or save them to use for other rewards.

Among others, ongoing rewards include 1 ThankYou Point for every $1 you charge to the card for purchases. In general, you may redeem points online or by phone for gift cards, travel rewards, cash, electronics and more. You may start redeeming rewards with as few as 100 ThankYou Points.

What you get:

• Zero percent APR on purchases and balance transfers for 12 months from account opening
• 15,000 bonus ThankYou Points after you make $1,000 in purchases in the first three months
• One ThankYou Point for every $1 spent on purchases
• Five points per $1 spent at supermarkets, drugstores and gas stations for the first 12 months
• One point per $1 spent at supermarkets, drugstores and gas stations after the first 12 months
• 100 points for signing up for Account Online
• 100 points for enrolling in Paperless Statements
• Anniversary Bonus, a percentage of ThankYou Points earned from purchases during the year
• No points cap or expiration
• No annual fee

What they require:

• Must by 18 years of age or older
• Must have a valid Social Security number

Citibank, National Association was established on June 16, 1812 and has been FDIC insured since Jan. 1, 1934. It has 1,331 branches located in 19 states and 281 foreign offices. Its headquarters is in Sioux Falls, S.D.

Citi Thank You Preferred Credit Card

Account Type: Credit Card

Special Type: Rate

Today, with the prestigious and sleek Visa Black Credit Card, you can take advantage of a special interest rate on balance transfers to reduce or pay off debt from one or more other credit cards. With the Visa Black, you'll receive a 0 percent APR on balance transfers for the first 15 months of becoming a card holder. During that time, you can carry that transferred amount from month to month without paying interest, allowing you to gradually chip away at it. The fee to transfer a balance is 4 percent of the amount transferred.

With this exclusive credit card, issued by Barclays Bank Delaware, you'll also earn rewards in the form of points. You'll accrue one point per dollar spent on purchases, which you may redeem, online or by phone, for 1 percent cash back or for airfare on any airline, with no blackouts or restrictions.

What you get:

• Zero percent APR on balance transfers for 15 months
• One point per dollar spent on purchases
• Around-the-clock concierge service
• Unlimited VIP airport lounge visits
• Limited membership
• Carbon card

What they require:

• $495 annual fee

Barclays Bank Delaware, located in Wilmington, was established on May 23, 2001 and has been FDIC insured since.

Visa Black Credit Card

Account Type: Savings Account

Special Type: Rate

The Houston Police Federal Credit Union Savings Account currently pays 2 percent APY on balances over $2,500, one of the highest savings account interest rates these days. The only catch is that you need to be a member of the Houston Police Federal Credit Union.

What you get:

• 2.00 percent APY on balances of $2,500 and up
• 1.51 percent APY on balances from .00 to $2,499.99

What they require:

• Membership in the Houston Police Federal Credit Union
• Police officers and civilian employees and their immediate family members are eligible
• Retired police officers and civilian employees are also eligible

The Houston Police Federal Credit Union, headquartered in Houston, Texas, has been chartered since 1937. All accounts are fully insured to the maximum level of $250,000 per depositor by the NCUA. The NCUA has insured the Houston Police Federal Credit Union since 1971.

Houston Police Federal Credit Union Savings Account

Account Type: Credit Card

Special Type: Rate

If you're planning to make one or more large purchases or to pay off an existing credit card balance, the Citi Simplicity Credit Card offer could help you make it happen. With this introductory promotion, you'll receive a 0 percent interest rate on not only purchases but also balance transfers for 18 months from the date you open your account.

Balance transfers must be made, however, within the first four months of card ownership. The fee to transfer a balance is either $5 or 3 percent of the amount, whichever is greater.

There is no annual fee.

What you get:

• 0 percent APR on purchases for 18 months
• 0 percent APR on balance transfers for 18 months
• No annual fee
• No late fees
• No penalty fees for missing a payment or exceeding your credit limit
• No wait time for live customer service around the clock

What they require:

• Must be 18 years of age or older
• Must have a valid Social Security number

Citibank, National Association was established on June 16, 1812 and has been FDIC insured since Jan. 1, 1934. It has 1,331 branches located in 19 states and 281 foreign offices. Its headquarters is in Sioux Falls, S.D.

Citi Simplicity Credit Card

Account Type: Credit Card

Special Type: Rate

Special Type: Cash

For a limited time, the Citi Diamond Preferred Card is offering a 0 percent APR for a full 18 months.

The 0 percent APR applies to both purchases and balance transfers, which starts the day you open the account. To qualify for the 0 percent APR on balance transfers, you must transfer a balance to the card within four months of activation. The balance transfer fee is 3 percent of the amount transferred.

With the card, you also get around-the-clock access to concierge services such as help with booking flights, hotels, concert tickets and the like, as well as deals and savings through Citi Specials. Card holders have access to Citi Private Pass, which lets you buy presale tickets, preferred seats and VIP packages for certain entertainment events. You won't be held liable for unauthorized charges. Finally, you'll be able to manage your account and make payments online and receive e-statements.

What you get:

• 0 percent APR on purchases for 18 months
• 0 percent APR on balance transfers for 18 months
• No annual fee

What they require:

• You must be at least 18 years old
• You must have a valid Social Security number

Citibank, National Association was established on June 16, 1812 and has been FDIC insured since Jan. 1, 1934. It has 1,331 branches located in 19 states and 281 foreign offices. Its headquarters is in Sioux Falls, S.D.

Citi Diamond Preferred Card

Account Type: Credit Card

Special Type: Cash

Special Type: Rate

If you're looking for a new cash back credit card, take a look at the Citi Dividend Platinum Select credit card, which pays you $100 cash back if you spend $500 in the first three months. You can earn 5 percent cash back in specific categories that change quarterly, plus 1 percent on all other purchases. This card is also a good deal for balance transfers, offering 0 percent APR on purchases and balance transfers for 12 months.

What you get:

• $100 cash back after spending $500 in first three months
• Five percent cash back on purchases in specific categories
• One percent cash back on all other purchases; earn up to $300 annually
• Zero percent APR on purchases and balance transfers for 12 months
• Extra 5 percent cash back on purchases through Citi Bonus Cash Center
• No annual fee

What they require:

• Must be 18 or over
• Must be U.S. resident
• Must meet Citibank credit qualifications

Citi Dividend Platinum Select Visa Credit Card