Even with a struggling economy, credit card issuers continue to increase initial bonus offers to entice new customers.  Today, its Citis turn and for a limited time only, they will be offering a $300 cashback bonus on the Citi® Dividend World® MasterCard®.  The $300 cashback bonus is the LARGEST bonus available on a consumer credit card that does not charge an annual fee and its not the only reason you will want to give Citi your business.

Lets first start with the $300 cash back offer.  To obtain it, you must spend $5,000 in the first three months of card ownership.  Now, you might be thinking thats a lot of dough to spend in a short time-frame and youre right.  This bonus offer is not ideal for a casual credit card user however if you have a big purchase planned or can pay your mortgage, student loan or auto loan with your credit card, the $5,000 can easily be obtained.

The Citi® Dividend World® MasterCard® also includes a 5% cash back rewards program on rotating categories every quarter and 1% cash back on all other purchases.  The 5% cash back categories are currently:

• Airlines
• Hotels
• Car Rentals

These categories will last until September 30th, at which point you will have new 5% opportunities.  There is a maximum of $300 cash back that can be earned each calendar year but that does NOT include your initial $300 cash back bonus.  Thus, in the first year of owning the Citi® Dividend World® MasterCard®, $600 cash back can be earned.  All cardholders will receive a purchase APR of 15.99% 22.99% variable, depending on credit history and there is no annual fee charged on the Citi® Dividend World® MasterCard®.

The $300 cash back offer is available for a limited time only, on a group of very select websites so the time to act is now if you can meet the $5,000 spend requirement.  To fill out an application or find out more about this offer, visit the secure application page for the Citi® Dividend World® MasterCard®.

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Owning a car is the dream of many people. However, it is almost impossible for most to own a car without getting an auto loan. This is the easiest way to get your dream car without having to break a bank. However, if you do not get the best car loan available, you are headed for troubled waters. Here are a few tips that will help you find the best car loan you can get.

You need to consider the lender of the auto loan before applying for one. There are different lenders each with their own terms on the loan. The best ender should be one who seeks not only to get their money bask as soon as possible but is flexible. Flexibility here means that they are not only helpful when you pay up but also provide measures to guide you incase of missed payments. It is therefore important not only to look at the lenders terms but also their track record.

Finding the best auto loan also involves finding one with the lowest interest rates. Full article…

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The Discover More credit card boasts 0% interest on balance transfers for the first 18 months, longer than almost any other card, on top of a lower-than-normal balance transfer fee. What’s more, the card still earns rewards on purchases. Though its introductory APR period isn’t the longest one out there,  the combination of an above-average introductory period and rewards makes the Discover More a standout.

A balance transfer offer with few shrouded fees

The Discover More offers no interest on balance transfers for 18 months, and no interest on purchases for 6. It’s a great deal if you already have credit card debt and are looking to pay it down interest-free for a time. In addition, its balance transfer fee is only 3%, while the industry standard is 5%. The balance transfer fee is one of the lesser-known “shrouded fees” that many credit cards slip in because you’re not likely to notice. It speaks we

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The latest Fannie Mae survey found that only 23 percent of renters living in single-family homes think renting makes more sense than owning a home. So why are so many people still renting?

Credit problems inhibit home sales

Unfortunately, bad credit and other problems keep 53 percent of renters surveyed from buying a home. Nearly three-quarters of single-family renters say it would be difficult for them to get approved for a home loan, and one-third of renters say it’s their bad credit that keeps them from buying a home.

You’re not alone: Most Americans have mortgage credit problems today

Renters have been hit harder than homeowners: the survey also found that most Americans believe they’d have a hard time getting a home mortgage today (53 percent), a figure that increases to 71 percent among renters.

Younger people anticipate difficulty getting mortgages …

While 51 percent of Generation X Americans (age 35-44) expect that it would be difficult for them to get a home mortgage today, the number increases to 59 percent among Generation Y (age 18-34).

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