Amazon.com NextCard Visa

[Corganiacs]

Dear Amazon.com Customer,

This holiday, you're invited to unwrap great rewards with the
Amazon.com NextCard Visa. Apply now and receive a special $20
Amazon.com gift certificate. See details:

[Only registered and activated users can see links. Either login above or Register Now]

Designed exclusively for Amazon.com customers like you, the
Amazon.com NextCard rewards you with points for every dollar you
charge--points that add up to free Amazon.com gift certificates.
You'll earn triple points for every dollar you spend at Amazon.com
and a point for every dollar you spend elsewhere. Your points will
accumulate quickly. In fact, you could enjoy a free book, CD, or
DVD every month just by using this one-of-a-kind card.

Accepted worldwide, online and off, your Amazon.com NextCard also
offers competitive interest rates, no annual fee, and 24-hour online
account access, so you can check balances, track point totals, pay
bills, transfer balances, and set automatic e-mail alerts to notify
you of account activity. Plus, if you apply now, you'll receive a
free $20 Amazon.com gift certificate the first time you use your
card at Amazon.com.

So apply today. And brighten your holiday shopping experience with
the Amazon.com NextCard Visa. It's the one card that believes in the
spirit of giving... back.

[Only registered and activated users can see links. Either login above or Register Now]

P.S. Please note: This offer is available only to new card
applicants, so we apologize if you are a current Amazon.com
NextCard Visa holder and received this message.

[lilyrose1963]

I have this card, but I did not get the bonus 20 gc. This is the best rewards card I have ever had. You can redeem your points online and get your gc instantly and you can pay your bill online. The points you earn are worth 2% of your puchases, 6% at amazon. Two percent is the best you can get, most cards offering only 1% or even less.

[Shainie]

This is the only card I use - because after using it for a while I now have a 7.9 APR! Best out of any other card we have.

I love the online bill pay feature - fast and easy.

The only problem is you used to be able to get gift certificates when you had 500 points, now you need 1250 points to get your first GC.

[smurfy1]

I too only use this card. I did not get the $20 bonus GC but in the 4 months I've had the card I have earned over $300 in GC's! Whoo hoo...there's Xmas all paid for. My interest is 9.9% but I pay off every month. We put everything on it and then just pay it off. They lose money on us bigtime

[Corganiacs]

really smurfy?
I just have way too many credit cards.... and to apply for more may hurt my credit if I dont use them regularly

[smurfy1]

Really. I have cancelled all my other cards except Discover (which I hate-BAD customer service) but it's the only card Sam's will take. Cancel your other cards (or call and ask them to lower your credit limit). You don't get bad credit from not using a card, your credit can look bad if you have a lot of cards that each have a high credit limit on them.

You just need to decide what works best for you. If you carry a balance, this may not be the best card for you. I just got an invite from Bank of America for 0% interest til next summer but I passed it up since it really doesn't matter to me. You can always apply for the card, get the $20 and cancel it in a couple months. According to my financial planner, you should not have more than 5 credit cards, this includes gas and dept. store cards. A lower credit limit is a plus too when you are applying for a loan or something. It makes you less of a risk.
Good luck in deciding...