Home > 2016 > Credit Cards

4 Credit Cards You Couldn’t Get Last Year

Advertiser Disclosure Comments 0 Comments

The credit card industry is extremely competitive and card issuers are continuously introducing new products in order to win more customers. But, as these new cards are introduced, some credit cardholders may simply continue to use old accounts, which often come to have outdated or inferior terms. While these old accounts may no longer be offered to new applicants, existing accounts can be grandfathered in for years, or even decades after they’ve ceased to be competitive. By considering adding a newer cards with better terms to your wallet, you’ll likely be using one of the more competitive cards available.

This year isn’t yet halfway over, but credit card issuers have already introduced several new cards that offer additional rewards and benefits. These are four new credit cards introduced in 2016 you may want to check out.

1. Chase Freedom Unlimited

Chase has offered its standard Freedom credit card (see full review here) for many years, which features 5% cash back on up to $1,500 spent each quarter in revolving bonus categories, and 1% on all other purchases. The new Chase Freedom Unlimited card (read full review here), which is offered in addition to the standard Freedom, replaces the 5% bonus categories with 1.5% cash back on all purchases. New cardholders receive a $150 bonus after spending $500 within three months of opening the account, and an additional $25 bonus after adding an authorized cardholder who makes a purchase within the same time period. New applicants also receive 15 months of interest-free financing on both new purchases and balance transfers, with a 5% balance transfer fee. There is no annual fee for this card. (You can learn more about the best credit cards for cash rewards here.) 

2. JetBlue CardJetBlue Plus Card from Barclaycard

JetBlue changed partners this year from American Express to Barclaycard, and it recently introduced a few new credit cards. The standard JetBlue card offers new customers 10,000 bonus points after spending $1,000 on new purchases within 90 days of account opening. You also earn 3x points on JetBlue purchases, 2x points at restaurants and grocery stores, and 1x elsewhere. Other benefits include a 50% savings on in-flight purchases and 12 months 0% APR introductory financing on balance transfers made within 45 days of account opening. There is no annual fee for this card.

The JetBlue Plus card has a $99 annual fee and offers new cardholders 30,000 bonus points after spending $1,000 within 90 days of account opening. It features 6x points on JetBlue purchases, 2x points at restaurants and grocery stores, and 1x elsewhere. In addition to the features of the standard JetBlue card, it also offers a free checked bag, a 10% rebate on points redeemed, a 5,000 point account anniversary bonus and the ability to earn Mosaic status after spending $50,000 in a calendar year.

3. American Express SimplyCash Plus Business Card

This small business credit card features 5% cash back at office supply stores, and 3% cash back on one of eight categories of your choice including restaurants, gasoline, advertising, and shipping. New cardholders receive a $200 statement credit after spending $3,000 on their card within three months of account opening, as well as 0% APR introductory financing for nine months. There is no annual fee for this card.

4. NASCAR Card From Credit One

Credit One recently announced its partnership with NASCAR, becoming the official credit card of the racing league. This card offers 2% cash back on NASCAR purchases and 1% cash back elsewhere. This card is offered to those rebuilding credit, with an annual fee that can be as high as $99. Those with average credit will have a lower annual fee, and customers with excellent credit may not have an annual fee at all.

Remember, it’s important to read the terms and conditions carefully before deciding what credit card may be right for you. If you decide on a card, it’s a good idea to check your credit before you fill out any applications as your credit score plays a role in what deals you may qualify for. (You can see two of your scores for free, updated monthly, on Credit.com.)

Note: It’s important to remember that interest rates, fees and terms for credit cards, loans and other financial products frequently change. As a result, rates, fees and terms for credit cards, loans and other financial products cited in these articles may have changed since the date of publication. Please be sure to verify current rates, fees and terms with credit card issuers, banks or other financial institutions directly.

At publishing time, the Chase Freedom Unlimited, Chase Freedom, JetBlue and JetBlue Plus card from Barclaycard are offered through Credit.com product pages, and Credit.com is compensated if our users apply and ultimately sign up for this card. However, this relationship does not result in any preferential editorial treatment.

More on Credit Cards:

Image: gpointstudio

Comments on articles and responses to those comments are not provided or commissioned by a bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by a bank advertiser. It is not a bank advertiser's responsibility to ensure all posts and/or questions are answered.

Please note that our comments are moderated, so it may take a little time before you see them on the page. Thanks for your patience.

Certain credit cards and other financial products mentioned in this and other articles on Credit.com News & Advice may also be offered through Credit.com product pages, and Credit.com will be compensated if our users apply for and ultimately sign up for any of these cards or products. However, this relationship does not result in any preferential editorial treatment.

Hello, Reader!

Thanks for checking out Credit.com. We hope you find the site and the journalism we produce useful. We wanted to take some time to tell you a bit about ourselves.

Our People

The Credit.com editorial team is staffed by a team of editors and reporters, each with many years of financial reporting experience. We’ve worked for places like the New York Times, American Banker, Frontline, TheStreet.com, Business Insider, ABC News, NBC News, CNBC and many others. We also employ a few freelancers and more than 50 contributors (these are typically subject matter experts from the worlds of finance, academia, politics, business and elsewhere).

Our Reporting

We take great pains to ensure that the articles, video and graphics you see on Credit.com are thoroughly reported and fact-checked. Each story is read by two separate editors, and we adhere to the highest editorial standards. We’re not perfect, however, and if you see something that you think is wrong, please email us at editorial team [at] credit [dot] com,

The Credit.com editorial team is committed to providing our readers and viewers with sound, well-reported and understandable information designed to inform and empower. We won’t tell you what to do. We will, however, do our best to explain the consequences of various actions, thereby arming you with the information you need to make decisions that are in your best interests. We also write about things relating to money and finance we think are interesting and want to share.

In addition to appearing on Credit.com, our articles are syndicated to dozens of other news sites. We have more than 100 partners, including MSN, ABC News, CBS News, Yahoo, Marketwatch, Scripps, Money Magazine and many others. This network operates similarly to the Associated Press or Reuters, except we focus almost exclusively on issues relating to personal finance. These are not advertorial or paid placements, rather we provide these articles to our partners in most cases for free. These relationships create more awareness of Credit.com in general and they result in more traffic to us as well.

Our Business Model

Credit.com’s journalism is largely supported by an e-commerce business model. Rather than rely on revenue from display ad impressions, Credit.com maintains a financial marketplace separate from its editorial pages. When someone navigates to those pages, and applies for a credit card, for example, Credit.com will get paid what is essentially a finder’s fee if that person ends up getting the card. That doesn’t mean, however, that our editorial decisions are informed by the products available in our marketplace. The editorial team chooses what to write about and how to write about it independently of the decisions and priorities of the business side of the company. In fact, we maintain a strict and important firewall between the editorial and business departments. Our mission as journalists is to serve the reader, not the advertiser. In that sense, we are no different from any other news organization that is supported by ad revenue.

Visitors to Credit.com are also able to register for a free Credit.com account, which gives them access to a tool called The Credit Report Card. This tool provides users with two free credit scores and a breakdown of the information in their Experian credit report, updated twice monthly. Again, this tool is entirely free, and we mention that frequently in our articles, because we think that it’s a good thing for users to have access to data like this. Separate from its educational value, there is also a business angle to the Credit Report Card. Registered users can be matched with products and services for which they are most likely to qualify. In other words, if you register and you find that your credit is less than stellar, Credit.com won’t recommend a high-end platinum credit card that requires an excellent credit score You’d likely get rejected, and that’s no good for you or Credit.com. You’d be no closer to getting a product you need, there’d be a wasted inquiry on your credit report, and Credit.com wouldn’t get paid. These are essentially what are commonly referred to as "targeted ads" in the world of the Internet. Despite all of this, however, even if you never apply for any product, the Credit Report Card will remain free, and none of this will impact how the editorial team reports on credit and credit scores.

Our Owners

Credit.com is owned by Progrexion Holdings Inc. which is the owner and administrator of a number of business related to credit and credit repair, including CreditRepair.com, and eFolks. In addition, Progrexion also provides services to Lexington Law Firm as a third party provider. Despite being owned by Progrexion, it is not the role of the Credit.com editorial team to advocate the use of the company’s other services. In articles, reporters may mention credit repair as an option, for example, but we’ll also be sure to note the various alternatives to that service. Furthermore, you may see ads for credit repair services on Credit.com, but the editorial team isn’t responsible for the creation or implementation of those ads, anymore than reporters for the New York Times or Washington Post are responsible for the ads on their sites.

Your Stories

Lastly, much of what we do is informed by our own experiences as well as the experiences of our readers. We want to tell your stories if you’re interested in sharing them. Please email us at story ideas [at] credit [dot] com with ideas or visit us on Facebook or Twitter.

Thanks for stopping by.

- The Credit.com Editorial Team