Cards with low interest rates



Look for lower interest rates from credit card providers. Before making your selection, compare introductory APRs, introductory periods, regular APRs, annual fees (if any), if balance transfers are available, and the credit rating levels required (usually Good or Excellent).





Frequent flyer cards



Compare travel services offered by frequent flyer cards with regards to blackout dates or other restrictions, as well as points that may be redeemable for dining, entertainment, hotel, rental car, cruises, air travel, retail shopping and cash.



Gas rewards cards



Save at the pump with gas rewards. Look for discounts or cash back on gas and vehicle maintenance, drugstore and grocery shopping, dining, and cable services.



Cards for bad credit



Look for card providers that offer online support services, such as email and text reminders of upcoming payments due.



Prepaid cards



People who have bad credit or want to put a tight rein on their spending may consider the prepaid card. This card is similar to the debit card because you use actual available monies deposited in your account; but unlike credit or debit cards, the prepaid card has no overdraft protection. On the upside, prepaid cards usually have no feesno late fees, no over-limit fees, no transaction fees, no NSF fees (for insufficient funds) because you can only be approved for available funds. A prepaid card can be safer than cash, but make sure that the card is protected by fraud liability insurance. Also, see if it includes rewards programs, email and text alerts, bill pay and other online services. Usually no credit check or employment verification is required.



Applying for senior banking programs



Ask your banking representative about bank accounts and online services designed especially for people over 50 years of age. Also, ask about savings accounts with no or low minimum balance or monthly maintenance fees. In some cases, if you maintain accounts for both checking and savings, you might earn a higher interest rate on your balances as well.



Applying for online services



Once you set up your online account, youll enjoy the benefit of seeing your online bank statement at any time of day or night. Online services may include transferring balances from one account to the other, paying bills, financial tools and information resources. Depending on the institution, you may need to make a phone call and complete an application form to initiate your online services.



Getting online assistance



Have a question about your account? Check to see if your financial institution offers a 24/7, around-the-clock live chat on its website where you can hold an online discussion, in real time, with a service representative, or an internal email system where you can send a comment or inquiry with a response within 24 hours. In addition, your banks website probably offers downloadable application forms and other documents.



Accessing financial tools



Some offer special services like online financial calculators that you can use to analyze your personal finances to calculate savings goals for your retirement, determine auto loan payments, analyze investment returns, calculate credit card payoffs, assess debt consolidation, analyze mortgage payoff, determine your tax bill, and compare options for leasing vs. buying, etc.



Browsing for other financial resources



Some sites offer a whole library of resources, including links to other sites. Look for information to help your grandchildren with saving, budgeting, earning, borrowing and using checks. Look for information on home buying, selling, renting and improving your house. You might also find tips on identity theft, smart shopping, and government resources. This will help you reach the goals that you set for yourself as you try to enhance your financial life.