Consumers Digest MasterCard®


Low, 4.9% APR
No Annual Fee
Money-Saving Balance Transfers

Compare & Save!

Savings Calculator
Your Current Rate   %
Your Balance $
First Year Savings  = $
 
Enter your current rate and balance from your higher-rate credit card above. Then, hit enter to see how much you can save with the Consumers Digest MasterCard.

First-year savings based on a constant balance with a 4.9% APR for six months and a 13.9% APR for six months.

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CONSUMERS DIGEST MASTERCARD
The Consumers Digest MasterCard card has been top-rated for the past 14 years by major publications such as USA Today and Money Magazine as one of the best credit card values in the nation. With a fixed 13.9% APR you avoid the frequent rate increases that are catching so many variable rate cardholders by surprise. Switch to a Consumers Digest MasterCard and save on both purchases & balance transfers.

Apply Today and begin saving money with the only credit card to receive the prestigious Best Buy award!

Services and Benefits
No Annual Fee - Period!
4.9% APR on Purchases and Balance Transfer Checks:
4.9% APR on both purchases and balance transfer checks for the first six complete billing cycles after your account is opened.
On-Line Balance Transfers
Apply Now!Transferring a balance on-line to your new People's credit card account works like writing a check. The only difference is that instead of accessing your personal checking account, you're accessing your credit card line. Use the on-line optional balance transfer form found at the end of the on-line credit card application to pay off higher rate credit cards...consolidate debt...or for whatever reason you'd like. See the Rates and Terms page for important information about on-line balance transfers.
25-Day Interest-Free Grace Period on Purchases:
Pay no finance charge on purchases when you pay your account balance in full, on time.
24-Hour Toll-Free Customer Service: Call 1-888-426-1114:
Call for assistance when the need arises.
Cash Advance Access:
When you need cash quickly, you can easily access your credit line at more than 220,000 banks that display the MasterCard emblem and at 160,000 Cirrus® ATMs worldwide.
Worldwide Acceptance:
Your Consumers Digest MasterCard is welcome at over 14 million places in more than 170 countries.
Free Travel/Accident Insurance:
Use your card to purchase airline, train, bus, or cruise ship tickets, and you'll be protected automatically with up to $200,000 in free travel/accident insurance. Plus, when you use your Consumers Digest MasterCard to purchase tickets for your spouse and/or unmarried, dependent children under age 25, they'll enjoy the same coverage -- free!

Frequently Asked Questions
Q. Do balance transfers receive the same low APR? A. Yes, you will receive the same low, introductory 4.9% APR on both purchases and balance transfers. There is no transaction fee for balance transfers.
Q. Is there a grace period for purchases? A. Yes, the grace period allows you 25 days in which to pay your account balance in full by the payment due date. You will not incur finance charges on purchases if you pay your account balance in full by the payment due date each month.
Q. When will I receive my new card? A. If you are approved, you can expect to receive your new card within three to four weeks from the date we receive your application.
Q. Can I use this card in an ATM? A. Yes, this card can be used to obtain a cash advance from Cirrus ATMs worldwide.
Q. What do you mean by "fixed" APR? A. When we say "fixed" APR, we are using this term in contrast to "variable" APR. A variable APR is tied to an index such as the Prime Rate. People's fixed APR does not automatically change without notice to you as a variable APR does.  People's fixed APR is subject to change from time to time, but only after prior notice to you.