Bank Deals & Rate Specials
Our editors have hand-picked current bank deals being offered by financial institutions around the country for you to review. We choose some of the best rate specials, bank deposit promotions, and current credit card offers. Please check back often as we scour the web and look for the best offers to share with you.
If you find an especially great bank or credit card offer, please let us know by emailing us at bankdeals@moneyrates.com - many of our updates come directly from readers like you.
American Express Gold Card
February 28, 2012
Account Type: Credit Card
Special Type: Bonus Points/Rewards Points
If you are looking for a new rewards credit card -- and you've caught on to the perks of paying your card balance in full each month -- the American Express Gold Card may be right for you.
With this card, you'll always earn one point per dollar you spend with no preset spending limit, and it also offers access to special Gold Card events and purchase protection on eligible items that are stolen or accidentally damaged for up to 90 days from the date of purchase.
Also, American Express is currently waiving the annual fee for the first year.
What you get:
- 10,000 Membership Rewards Points if you spend $1,000 in the first three months
- One reward point per dollar
- No annual fee the first year
- No pre-set spending limit
- Access to Gold Card events
- Buyer purchase protection
What they require:
- Annual fee of $125 after the first year
- Must pay balance in full each month
- Must be 18 or older
- Must be U.S. resident
- Must meet American Express credit qualifications
Business Gold Rewards Card from American Express OPEN
February 28, 2012
Account Type: Credit Card
Special Type: Bonus Points/Rewards Points
If you are looking for a new rewards business credit card, you may want to check out the benefits of the Business Gold Rewards Credit Card from American Express OPEN. Not only can you earn rewards points, but you get the American Express OPEN business support services and insurance.
What you get:
- Three points per dollar on airfare
- Two points per dollar on advertising, gas and shipping
- One point per dollar on all other purchases
- No annual fee for the first year
What they require:
- $175 annual fee after the first year
- Points are limited to $100,000 in purchases in each category each year
- Creditworthiness of individual business owner
- Must be 18 or older
- Must be U.S. resident and have a business based in the U.S.
Business Gold Rewards Credit Card from American Express OPEN
Platinum Card from American Express
February 28, 2012
Account Type: Credit Card
Special Type: Bonus Points/Reward Points
You can rack up a pile of bonus points if you're a first-time Platinum Card from American Express card member. After you charge $2,000 to the credit card in the first three months of having it, you'll earn 25,000 bonus points. To be eligible, you must be enrolled in the Membership Rewards First program at the time of that purchase or those purchases.
What you get:
- 25,000 bonus points after spending $2,000 in the first three months
- A companion ticket for discounted travel when you purchase a qualifying ticket
- No preset spending limit
- Around-the-clock concierge service
- Membership Rewards First Program
- No blackout dates
- Invitations to exclusive events
- Airport club access
- Fraud protection guarantee
What they require:
- Must be 18 years of age or older
- Must be a U.S. resident
- A $450 annual membership fee
Orchard Bank Visa Card
February 16, 2012
Account Type: Credit Card
Special Type: Other
If you have poor credit and are looking to rebuild it, consider the Orchard Bank Visa Credit Card. It comes with automatic monthly reporting to all three major credit bureaus, which affords you the chance to create a new, favorable payment history and ultimately improve your credit score.
This credit card also comes with features that allow you to easily manage your account. You'll have online access to your account at all times, and you can sign up for balance and payment due date e-mail alerts.
The Orchard Bank Visa Classic is accepted at millions of locations, both online and off.
What you get:
- Automatic monthly reporting to all three major credit bureaus
- Free online bill pay
- Online, around-the-clock access to your account
- Balance and payment e-mail reminders
- Extensive protections from unauthorized use of your card
What they require:
- $0-$59 processing fee to open account
- Annual fee of $39 or $59 the first year, or $0 - $49 introductory the first year, then either $35 or $59 per year thereafter
Orchard Bank Classic MasterCard Credit Card
February 16, 2012
Account Type: Credit Card
Special Type: Rate
If you have a poor credit history you'd like to improve, consider the Orchard Bank Classic MasterCard. The features of this unsecured credit card, such as its automatic monthly reporting to all three major credit bureaus, allow you to do just that. You may set personal customized spending alerts and sign up for e-mail and text reminders of upcoming payment due dates (with online enrollment).
This MasterCard is accepted at millions of locations worldwide, both on and offline.
What you get:
- Opportunity to rebuild your credit history
- Automatic reporting to the three major credit bureaus
- E-mail and text reminders of upcoming payment due dates
- Customized spending alerts (set by you)
- Online management of your account
What they require:
- An annual fee of $39 or $59 the first year, or $0 - $49 introductory the first year, then either $35 or $59 per year thereafter
- One-time processing fee of $0-$59
Community Bank of Pleasant Hill Rewards Checking Account
February 10, 2012
Account Type: Checking Account
Special Type: Rate
In these days of low interest rates, savers are often searching for a better deal on all their accounts, including their checking accounts. You can earn 2.01 percent APY with the Community Bank of Pleasant Hill Rewards Checking Account if you meet a few qualifications.
What you get:
- 2.01 percent APY on balances from one penny to $24,999.99
- 0.50 percent APY on balances above $25,000
- ATM fee refunds
- No minimum balance requirement
- Free online banking and bill payments
- No monthly maintenance fees
What they require:
- Open with $100
- 10 debit purchases per month
- One automatic payment or direct deposit per month
- eStatements
The Community Bank of Pleasant Hill, headquartered in Pleasant Hill, Missouri, was established in 2006 and has been FDIC-insured since it opened.
Discover Open Road Card
February 10, 2012
Account Type: Credit Card
Special Type: Free Items/Gifts/Promotional Items
With the Discover Open Road Credit Card, you'll earn 2 percent cash all year long on gas station and restaurant purchases. With no annual fee and no rewards redemption fees, this cash back credit card provides an easy, risk-free opportunity to earn rewards on products and services you actually use. It's an ideal card for consumers who travel frequently or dine out on a regular basis.
In addition, the card offers a 0 percent APR introductory offer for 15 months on purchases and balance transfers.
What You'll Get:
- 2 percent cash back on fuel and restaurant purchases
- Unlimited 1 percent cash back on all other purchases
- 0 percent APR on purchases and balance transfers for 15 months
- Cash-back bonuses of up to 20 percent when you shop through Discover.com
- No annual fee
What they require:
- Must be 18 or older
- Must be U.S. resident
American Express Starwood Preferred Guest Business Credit Card
February 8, 2012
Account Type: Credit Card
Special Type: Airline/Travel
Bonus points and access to the American Express OPEN savings program await new account-holders of the American Express Starwood Preferred Guest Business Credit Card. This business credit card pays a bonus of 10,000 Starpoints after your first purchase and then an additional 15,000 Starpoints if you spend $5,000 in the first six months. Starpoints can be redeemed for hotel rooms in Starwood properties and flights on more than 350 airlines.
What you get:
- 10,000 Starpoints with first purchase
- 15,000 Starpoints if you spend $5,000 in the first six months
- Four Starpoints per $1 spend at participating hotels
- One Starpoint per $1 on all other purchases
- An extra 5x your Starpoints when you transfer 20,000 Starpoints to an airline program
- No blackout dates
- No expiration date
- No annual fee for first year
What they require:
- Annual fee of $65 after first year
- Must be a business owner
- Must be 18 or older
- Must be U.S. resident
American Express Starwood Preferred Guest Business Credit Card
Business Platinum Card from American Express OPEN
February 7, 2012
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 20 percent Travel Bonus when redeeming with Membership Rewards(R) Pay with Points. 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 for incidentals
- 20% Travel Bonus when redeeming with Membership Rewards(R) Pay with Points
- 40 premium benefits and rewards, including concierge service
- No pre-set spending limit
- Airport club access to 600 partner lounges
- Exclusive access to events not open to the general public
What they require:
- Annual fee of $450
- Balance must be paid in full monthly
- Must be business owner
- Must be 18 or older
- Must be U.S. resident
- Must meet American Express credit qualifications
Slate from Chase Credit Card
February 6, 2012
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
