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MyRatePlan Announces the Best Credit Cards for Working Parents

SEATTLE, WA -- (Marketwired) -- 07/11/14 -- MyRatePlan.com is pleased to announce the best credit cards on the market for working parents. After an extensive look at each credit card's unique benefits, interest rate tiers, and rewards programs, these cards were ranked according to how beneficial they'll be when used by parents who occasionally carry a balance, transfer a balance, utilize rewards systems, and appreciate cash-back rewards for their largest or most common types of purchases. The features offered with each of these three cards, according to MyRatePlan.com, will help consumers save money and enjoy great convenience on all types of household purchases throughout the year.

Discover it

The Discover it card is easily the best choice for today's parents, and that's largely due to the card's generous rewards structure. Cardholders are able to sign up for quarterly promotions that yield 5 percent cash back on a special type of purchase. Categories previous included in this 5 percent CashBack Bonus promotion have included restaurants and movies, online shopping, gasoline purchases, home improvement purchases, and more.

In addition to offering a generous amount of cash back each quarter, consumers can shop in the ShopDiscover portal at all of their major brands to earn between 5 and 20 percent CashBack bonus when they pay online. Discover offers a promotional 0 percent APR period on new balances and balance transfers for up to 15 months after approval, based on creditworthiness.

Barclaycard Ring MasterCard

The Barclaycard Ring MasterCard is an innovative product that takes a new approach to credit card use. Perhaps the most valuable feature of the card is its low APR, which is currently just 8 percent. The APR is variable, but this easily Barclaycard's lowest offering at the moment. Low APR is not the only selling point of the Ring MasterCard, however. The product was actually designed as a crowdsourced, "social" credit card that grows and changes based on user input.

Throughout their time as cardholders, parents can make suggestions to Barclaycard about how the Ring should work. They can suggest a rewards structure, or dedicate some of the interest paid on their balance to fund startups or independent projects. Cardholders can engage not only with Barclaycard representatives, but also with each other, in an online forum that ultimately gives them control over what the card does, how it works, and how useful it is for the purchases made most often by today's parents.

Discover it chrome

Though the Discover it card has been around for quite some time, the Discover it chrome is one of the newest products to be offered by Discover to new and existing customers. Parents can benefit from this card in a big way: It offers consistent 2 percent cash back on all gas and restaurant purchases. In a large and growing family, these are two of the most significant areas of spending each month. A 2 percent cash reward throughout the year can add up to big savings for the typical household.

As with the Discover it, this card comes with the ShopDiscover portal for between 5 and 20 percent CashBack Bonus on online purchases. The card also comes with identical benefits compared to the Discover it: Extended warranties, enhanced car rental insurance, and the ability to use accrued CashBack Bonus dollars on Amazon.com purchases without any limits or increment restrictions.

All three of these cards offer parents an exciting way to save on routine purchases throughout the year. Both Discover cards offer a way to reap cash back rewards, which can be redeemed as statement credits, gift cards, and deposits into a bank account. With the potential to earn as much as 20 percent cash back at major brands just by shopping online, back-to-school and Christmas shopping instantly become more affordable. The Ring card, conversely, is designed for those who value a low interest rate and having access to top-notch online service and suggestion forums. This might be the ideal card for those who anticipate carrying the occasional balance, but it's also a good everyday card that benefits individual cardholders and startups alike.

About MyRatePlan:

MyRatePlan.com is a leading comparison service not only for credit cards, but also mobile devices, wireless rate plans, and much more. The service is invaluable to consumers who are always looking to maximize their savings, minimize their expenses, and earn rewards for their loyalty to today's biggest brands and service providers.

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