What is surprising is the third nugget of news, that the average tax refund so far is nearly $2,000. For many consumers, optimacards this combination of low interest rates, high debt and a big tax refund should create a bright flashing signal: Retire debt now!Regardless optimacards of which side of the average refund you optimacards fall, one optimacards thing is the same. The refund represents the repayment of an interest-free optimacards loan granted to the U.S. Treasury for optimacards the past year. Yet at the same time, many of these consumers are carrying optimacards debt that doesn''t come with the same fringe benefit. It only makes sense then, to use these sudden proceeds to remove a portion of this debt load. The timing has never been better, as interest rates on consumer loans ranging from mortgages to credit accounts remain well below the levels seen one or two years ago.

A brand new card offered by features up to 1% cash back on purchases as follows: .25% cash back up to $1000; .5% cash back from $1001 - $2000; .75% cash back from $2001 - $3000; 1% cash back on purchases $3001 and above. Instant online application (this card is only offered online). Rebate is issued in the form of an automatic annual rebate check (check is mailed). There is no cap on the amount of annual rebate that can be earned. Introductory 0% APR for six months for purchases. No annual fee. Earn up optimacards to (depending on total dollar value of annual purchases) 2% cash back on your purchases any month you choose to carry a balance and up to 1.5% back in the months you pay your balance in full. There is no limit on the amount of cash back you can earn. Awards get credited on an annual basis. Offers "instant online approval". line up to $100,000 (classic card has credit line up to $10,000). Cash back percentage levels are as follows: .25% for $0 to $2,000, .5% for $2,000 to $5,000, and 1.5% in excess of $5,000. If you carry a balance, you will receive an additional .5% rebate for that billing period. The rebate applies to purchases but optimacards not to Cash Advances, returned purchases, balance transfers, or the purchase of 3.9% 6 month introductory APR on purchases and balance transfers. No annual fee.

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