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Best credit cards for 2016

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This week, I’m sharing my favorite accounts with you.

Let’s get to it.

When my book was originally published, I named names. This is why some banks will never, ever partner with me. Oh well!!

My old favorite credit card: Citi PremierPass card

Anyway, in the first chapter on credit cards, I shared the details of my favorite credit card at the time: the Citi PremierPass card. In fact, I had used it as my primary credit card for several years and recommended it to hundreds of thousands of people.

That’s changed now.

Citi tightened up on its credit-card lineup, dropping several of their most compelling rewards. This was highlighted in a devastating column in the New York Times.

Hilariously, Citi actually mailed out a note to cardholders trying to spin the reduction of benefits into something like ‘exciting new features’ — but it was obvious to anyone with a pulse that the most compelling rewards were being removed.

And so I began an exhaustive search for a new credit card. Because I spend a significant amount on my credit card, I expect significant rewards. Also, I consider it a fun game to find the 99.99999th percentile best card in the world. This is why women find me irresistible.

Today, I’ll share my new favorite credit card. I consider it the best card on the market — even better than my Citi card — and in addition to using it myself, it’s the  card I’m recommending to my readers.

First, 6 rules about credit cards

  1. Interest rate doesn’t matter if you don’t carry a balance. The interest rate is irrelevant as long as you’re paying off your entire balance each month. Don’t keep a balance, please – if you are, stop reading now and use my credit card payment calculator to pay it down quick.
  2. Use a rewards card. The vast majority of people should use a rewards card. If you’re already spending money, you should be rewarded for it. Exceptions are people who can’t qualify, who should instead use a secured credit card.
  3. I prefer travel cards over cash back. Most people would benefit more from travel rewards than from cash-back. I describe the details of why in my book. For some reason, people get really mad when I make this recommendation, but I don’t care.
  4. I prefer general rewards cards, not airline-specific cards. Unless you fly a majority of flights on the SAME airline, I prefer a general travel card instead of an airline-specific card (like a United card). For example, I fly Jetblue and Virgin a lot, so I want a travel card that I can redeem on multiple airlines, not just one.
  5. Annual fees are not Satan’s spawn. I know it may be blasphemy to personal-finance “experts,” but I’m willing to pay an annual fee! OMG! This is why you can call me RTR: Ramit The Rebel. In some cases, there are no-fee versions of the card, so you should always calculate if you spend enough to justify it. Still, $65/year is just not that significant to my financial situation any more.
  6. I am merciless about using my credit card perks, which can easily be worth $1,000/year. DO THIS.

Bonus: You can now get the full first chapter of my bestselling book, called “Optimize Your Credit Cards.” for free, because I want you to have the tools and word-for-word scripts to fight back against the huge credit card companies. Download it free now.

What I want from the best credit card

My bottom line is I want to get free flights and free hotels. For example, when I go on vacation, travel for friends’ weddings, or travel between NYC and SF.

Alternatively, I want to upgrade to business class when I travel abroad.

And I don’t want to be nickel-and-dimed for idiotic things like blackout dates, penalties, and fees.

So with that in mind, here is…

The best credit card for 2016 is…

It’s the Starwood Preferred Guest® Credit Card from American Express.

When I first discovered this card, I actually wasn’t sure how many places accept AMEX. But after using the card for nearly a year, I’m happy to report that I use my AMEX 95% of the time. (I always carry a Mastercard or VISA backup, just in case.)

This is the best travel card on the market. Here’s why:

4 Starwood perks that matter most

  1. Flights + hotel points: Whenever you spend money, you earn points, which you can redeem for flights (on virtually airline) and hotels (in the Starwood program)
  2. Flights: The Magical 25% bonus. Let’s say you redeem 20,000 Starwood points to your American Airlines frequent-flier program. Starwood will give you a 25% bonus — that’s 5,000 points — which is a HUGE bonus to get free flights faster. This is worth a ton in free flights.
  3. Hotels: You can stay at hotels for just 2,000 points, which is great if you just need a basic place to stay. But if you want ultra-luxury, Starwood has top-of-the-line properties (including the St. Regis and even higher-end resorts) that will accept your Starwood points. Here are the cheapest hotels and most expensive.
  4. Customer service: I fanatically test the customer service of companies I work with. My goal is for them to call me a diva in writing. I opened a second Starwood card (biz + personal) and somehow, they didn’t connect the card to my Starwood account. That meant that I had lost something like 15,000 points over the last few months. I sent them an email and a few hours later, they said, “We’ve retroactively applied your points.” Done. I love it.

Other perks:

  • Starpoints® bonus: earn up to 25K bonus points — 10K with your first purchase and another 15K when you spend $5K within the first 6 months of Card membership – enough for a weekend getaway to a Category 4 hotel like the Westin Savannah Harbor Golf Resort & Spa
  • Free Hotel Nights: redeem Starpoints at over 1,100 hotels in over 100 countries worldwide — with no blackout dates
  • Earn 2 Starpoints® for each dollar of eligible purchases charged directly with hotels and resorts participating in the SPG® program
  • Earn 1 Starpoint® for each dollar of eligible purchases
  • $0 introductory annual fee for the first year, then $65
  • Terms and Restrictions Apply.

My final test was this: The world’s best consumers of credit cards are management consultants at firms like McKinsey, Bain, and BCG. That’s because basically the only thing these consultants care about is points. Many of my friends have over a million points and are anal — even more than I am — about their choice of cards.

They love their credit cards more than their girlfriends! True.

I know a bunch of friends who work at these places, and every one uses this card. DONE!

Downsides with AMEX credit cards

Few things here.

One negative thing is that AMEX isn’t always accepted (it is about 95% of the time in NYC, less so elsewhere), so I have to carry a backup Mastercard/VISA.

Second, not everyone qualifies for AMEX. They are stringent about who they accept so you may be rejected.

Third, they give you a low credit limit. You can request a credit-limit increase in 60 days, then 6 months later, so if you do get this card, set your Google calendar reminders. (How I got around this: I paid it off multiple times/month so I could spend what I needed to.)

Places to read about this Starwood card

You should always do your own research. Here are 2 places to see what others have said, as well as understand the perks/rewards in great detail.

Other credit cards I recommend

If you are a weirdo and hate traveling, (1) get a life, and (2) the best cashback card is the Fidelity 1.5% cashback card. I have one of these, but only use it as a backup. Starwood is my primary.

Should you keep your old credit card?

My recommendation: If you’re looking for a good credit card, apply for this and if you get accepted, KEEP YOUR OLD CARD (don’t close it, which will negatively affect your credit). But start transitioning your auto-pays to this card and start accumulating miles.

Your goal should be to get at least 3 free hotel stays this year, but most of you will be able to do much more than that.

NEXT STEPS: If you want my favorite credit card

If you’re interested in getting this card, here’s a link to see if you’re approved.

Depending on their offer, you can usually get 10,000-30,000 points upon signup.

Example: Up to 25,000 Starpoints (use, e.g., for 2 free nights at a Category 5 Hotel like the Westin Maui Resort & Spa or Le Parker Méridien New York).

P.S. I have a few special, obscure tools I use with my credit card to optimize the experience. I’ll write about those in the future.

Tomorrow, the best savings account for 2016.

Sign up for my insider’s list and learn how to save for your future, earn more, and still enjoy life


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  1. My favorite credit card is the Citi Forward card. You get 5 Thank You points for the following categories:
    – Restaurants, bars/clubs, Starbucks (80% of my monthly expenditures)
    – Movie theaters
    – Book and music stores
    You also get the following features:
    – 1 Thank You point on every other purchase
    – 6000 bonus points after $250 purchases in the first 3 months
    – 2500 bonus points for signing up for paperless billing
    The Thank You points can be redeemed generally for $100 gift cards for 10,000 points. So you get 8,500 ($85) pretty easily in the first 3 months. I usually get Bloomingdales, CVS, or gas gift cards.

  2. The “Fidelity 1.5% cashback card” link actually takes us to “Fidelity® Investment Rewards® Visa Signature® Card.” It isn’t a cash-back card at this point.

    Just FYI.

    • Technically, it is a cash-back card and it’s 2%, not 1.5%. You do have to deposit it into a Fidelity account to get the 2% cash back (otherwise it’s 1%), but you can withdraw it as soon as it’s in the account if you don’t want to keep it there. Or you can get the Citi Double Cash, which is a flat 2% without the extra process.

  3. Ramit,
    Boy I wish I had been looking out for this 6 months ago. Just got done paying for a wedding on my Chase Sapphire (paid off in full every month) and going to 3 friends’ weddings (ending this weekend). With this I easily could have stayed on Maui for free.

  4. Any suggestions on a good travel card that is Master Card or Visa? There are not many AMEX vendors in the mid west.


  5. If you are recommending a Fidelity card as a non-travel card, this one is way better:

    AMEX & 2% cash back (into Fidelity account, not a check, but you have to have a Fidelity account to get the card anyways).

    • That’s the card he recommended (He just wrote 1.5% instead of 2%). It’s not an Amex anymore, though.

  6. Lovely series Ramit, I’ve been looking to switch checking accounts and have been on the look out for a better card than my Discover More. Would you also consider doing a best brokerage account?

  7. I’ve had this card for 5 years and agree, it is great! I just used my points to get the following discounts for my honeymoon: 2 nights free and the rest at half off. Pretty great for a luxury hotel. While there I waived the insurance when renting a car. Most places did accept the card, btw.

    I also paid for most of our wedding with it. So I have tons of points for our next vacation. It’s really like a secondary savings.

    They are also very good about contesting unknown charges (I returned something and was not credited by the retailer). It only happened once, but was impressed with how quickly AMEX handled the situation.

    Well worth the minor annual fee.

  8. So can I ask — just how low is the AMEX “ridiculously low” credit limit? I might get one to pay for wedding deposits etc, but those are in the thousands of dollars… so if it’s only $1000 or so it wouldn’t be feasible for me.

    Love these recommendations, keep them coming!

    • I just applied for a blue preferred amex on my phone in like 3mins and was approved instantly for a $15k limit.

      Not sure I agree that’s a low ceiling, but maybe at certain credit levels it’s a different story. For reference my scores are mid to high 700s.

      I do very little travelling and spend plenty on fuel and geoceries so this was a good card for me and well worth the $75 annual fee. Easy enough if I need to carry a balance (rarely the case) to put on another card.

  9. anyone else having trouble with the survey page not working?

  10. He is right the limit was really low to start. Like $500. It was a real pain to start because I wanted to use it to get points but I would always max it out and I could only pay off the balance online once a month. After 60 days they let me pay it off whenever I wanted so the limit was less of a big deal and they gradually increased it. I will say though that I have made significant use of the free hotels and they are really nice ones. I highly recommend it. Its very useful once you get past the annoying first few months.

  11. hard to pass up a 10% money market rate where your rewards get rolled into. kicker is you have to be a member of the credit union. granted the rate can change at any time just like any rewards programs can but this card has been sweet.

  12. I got a bit anal like this earlier this year but came to a different conclusion. For me, I like the freedom of cash-back for one very important reason, miles don’t earn interest. I got the Capital One Venture card. The annual fee (waived the first year) is $59 but it pays 2% cash-back on all purchases. After spending $750/month, I beat even the 1.5% cashback cards with no annual fees. I typically spent 2-3 times thins much monthly so the justification is evident.

    the other card that I greatly considered was the Penfed Platinum card that pays 5% cash back on gas and 1% on everything else. It would be better for people with higher monthly gas bills than myself (gas guzzling cars, people in sales, etc.).

    Ramit, would you please go into a bit more detail as to the actual point system for your AMEX. Is it 1 point per $1 spent?

  13. I have an AAdvantage rewards card. I definitely agree that having a credit card should be used for rewards…and travel cc’s are best suited towards that. One should also look at the sign-up bonuses and promos.

    I was going to get the Starwood credit card but looked at the benefit of opening a AAdvantage during their promo: 75k bonus miles after $6k spent in 6 months. That’s enough miles for a round-trip ticket to Asia, or 2 round-trip tickets to South America. In the long run this might not be as good as some other cc’s with the standard 1 mile/$1 spent but I think the benefits outweigh it after all is said and done.

  14. Right now I get the ~1% cash back from my Visa, which averages about $25/month.

    I don’t fly often (about once every 2 years), but I would travel more if my flight was paid for with the extra points/miles I’m earning. Is this card worth getting if you don’t really plan on staying at many Starwood hotels?

    If this card could pay for 2 roundtrip tickets every 1 or two years, I think it would be worth it. But since I don’t travel much regularly, is it still worth it?

  15. The survey link isn’t working for me either

  16. not sure that link is going to where it should be. just takes you to the create an acct page, and even once you’ve created an acct it doesn’t go to anything that looks like something for you…then again, i’m not smart…

  17. I like a lot of what you say but your blinders are often a little narrow with what seems to be a referance point of a person living in a city with no children (I don’t know if that is actaully your situation). Myself, and many like me dislike traveling with young ( infant – 3 year old) children. Cash rewards cards are much better than a travel rewards card for people in this demographic. On top of which, when I do travel, we often don’t stay in hotels. We camp… because we like to. So again, useless. You have a broad audience. Respect that.

  18. Re: this: “Hilariously, Citi actually mailed out a note to cardholders trying to spin the reduction of benefits into something like ‘exciting new features’ — but it was obvious to anyone with a pulse that the most compelling rewards were being removed.”

    The not-for-profit car share service in Philly tried this when they got rid of their $0/month membership (and automatically changed everyone to a $15/month membership unless you opted out within a particular period of time, which is absolutely silly for people who might get a car once or twice a year to go to Ikea or the like…). The spin was something like “We’ve made everything simpler for you by simplifying our membership plans to just one!” It made so many of my friends (and me) furious that even though they’ve reinstated the $0/month plan now, no one will re-join!

  19. Lol, get a life, anyways very nice well written here is my question Ramit does that include Events. Like say the card give you a chance to stay at a private island meeting up with say bill gates?

    or sky diving from space back to earth? or trip to space?

    Thanks Ramit

  20. I researched this versus the Amex Premier Rewards Gold Card and ended up going with the gold card. I wanted travel rewards but I rarely stay in hotels as I prefer to rent apartments, and the starwood seemed too hotel-heavy on the rewards.

    Also, the Gold has an unlimited balance (that’s what I was given anyway) so if the low limit is a problem for anyone they might want to choose the gold instead.

  21. Ramit,

    Do you think you can negotiate the annual fee?

  22. Will the referral form work for the Canadian version?


  23. I had an AMEX for over a decade and was late on my payment ONCE and they wouldn’t waive the fee so that card is now locked up and hasn’t been used since. I’ve always found that Discover provided superior customer service, including answering the phone immediately when I call. I get tons of cash back bonuses because I put everything on the card and pay it off in full every month. I would never use AMEX again.

  24. I tried website for survey the day you sent this. No survey, says thanks for completing it but never took it. Then tried again, same thing. No email with link from you. What next? Even registered at survey monkey, to no avail. Says there are no surveys done….

  25. @19, maybe in your case, but the audience also includes people like myself who have toddlers and like to travel with them. Previously, I was mostly using a cash back AmEx, but now that I actually have to pay for the toddler to fly (she just turned 2, so she can’t fly on our lap anymore, and we have to buy her a ticket), travel rewards cards are becoming a more-appealing option. So the fact that it’s a broad audience works both ways . . .

    • I hear what you are saying, but the post reads in a factual way that it was the best way. Like most of Ramits posts, the reader is subjected to feeling like “they just don’t get it” if they don’t agree even though their own life situation and financial principles are sound.

  26. I wish you had a Canadian sister site.

  27. Ramit,

    What do you think about Debit cards?

  28. Hey Ramit,
    My Dad received an AMEX business gold rewards with 75k points with an annual fee of $125. He needs to spend $1k in the next three months (which isn’t an issue). What do you think about that deal and that card?

  29. Survey link not working?

  30. I considered using CitiBank 12 years ago. At the time, the password for their online banking website was the same as your PIN for your debit card. There’s only 6,561 different 4-digit PINs. That’s enough to stop someone from casually guessing my PIN if they’re standing with my debit card at an ATM, but it’s a trivially low amount of PINs for that to be an online banking password. Writing a program to brute-force its way into someones account wouldn’t have been too hard.

    Just yesterday I read that Citibank’s credit cards had been hacked due to bad security on the Citi website. and plain old Google

    I think it’s worth updating the original article to point out that though the credit card rewards might be great, the security of Citibank’s website is rather poor.

  31. What’s special about your special referral email link, other than you get bonus points for referring people?

  32. I would recommend checking out the nerds at They discuss in detail how to redeem travel points and get the most bang for your points. The only problem I’ve had with travel cards are reward and redemption availability. You must have a flexible schedule, or else it can be very difficult to redeem free flights.

  33. i prefer cash back as i can use it to spend on anything i want. that said, i have taken advantage of promos such as AA’s 75k miles and BA’s 100k miles – use it, get the rewards, cancel the card.

  34. Ramit-

    I just started following your blog and I have begun to read your book. I am very interested in applying for this card. I filled out the survey for the referral link but I have not yet received it. Is there anyway you can look into this and send me the link via email. It would be greatly appreciated.


  35. Matthew Borsick Link to this comment


    When are you sending out the referral link ?

  36. Ramit – for your Canadian readers, the TD Bank Visa Infinite card is almost identical to the Starwood Amex. Instead of 1 Starwood Point for every $1.00, it’s 3 TD points for every $1.00. No TD account required (min income of $60,000 gross).

    A great comparison for Canadians:

  37. I love to read your experience with highly profitable credit card. Citi is great. Many ideas are offered as special credit card.

    It is dynamic and continues to move forward. However, the requirements to get a Citi credit card is not easy. Must have high credit scores, including cards for students.

    Yes, this of course as an option from the Citi to get consumers. Citi’s strategy turned out to be great. Thank you.

  38. Just got the SPG AMEX card, then saw this post.

    Glad it’s Ramit-approved!

  39. It looks the SPG is increasing their fees to $95/year effective August 2015. Is this card still the best bet?

  40. I strongly agree with American Express being ranked as the best for credit cards. Discover is 2nd best. I disagree with travel cards though. It’s more for frequent travelers, not for someone who rarely travels. I’ll take a cash back card anyday because I travel only once or twice every year.

  41. Love this! I have to fly frequently from DC to San Fran and this is exactly what I was looking for. Got approved in 60 seconds and since I had been a card member before they rushed it to me no charge. Awesome blog posts keep them coming!

  42. Thanks for sharing this helpful blog… i was looking for same content for credit card information. great work!

  43. Starwood was recently purchased by Marriott and one can probably safely assume they will be merging their loyalty programs. In terms of bang for your buck (rooms, room rates and how many points you need to get a room), Marriott always seems to come out on top among travel bloggers for their loyalty program over SPG. I do like AMEX for their perks but I’d probably go for their Delta Skymiles card or Chase for their Marriott card until the details of the merger are clear

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  45. I do serious business ,dont email if not interested in purchase
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  46. Great choice! I had it ranked 3rd best for travel credit cards only due to the lower first year bonus and not being accepted everywhere. The Citi Thank You Premier and Chase Sapphire Preferred are greater in the first year, but more expensive year 2 and onward.

  47. Ramit,

    Does the Marriott/SPG acquisition have any effect on your recommendation? With the possibility of the card going away or the rewards programs merging/changing?

    In terms of travel credit cards the most comparisons I’ve seen are between your card and Chase Sapphire Preferred. What is the biggest reason you’d prefer the SPG over Chase? Does your dislike of the big banks have a big part of it or is it straight up about the rewards?

    Interested to hear your thoughts, thanks for the detailed post man.

  48. Apparently, chase sapphire preferred is much better than starwood…

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  61. Just called American Express about the Starwood card and was told JetBlue is not one of their partner airlines. Initially, it sounded like it was useful for people flying Virgin and JetBlue. Am I missing something?
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  65. Andrew, this is a heads up to everyone that are American Express holders that American Express may be raising your interest rate by 50% or more as of April 26, 2016.

    American Express sent us, (Starwood Guest card holders) and is sending to many others like us, a letter notifying us of this across the board increase. Their justification is that they checked with a credit bureau about our activities and some of them they do not like. This without regard as to how long you were their customer and how well you paid your bills.

    Even though we have great credit scores in the 800’s and I pay all our bills on time they will be increasing interest rates.

    Obviously, this is the tactic they are taking from other businesses, especially insurance companies, that started raising prices based upon checking on your activities and then arbitrarily raising your cost of doing business.

    They are doing it because they can and BECAUSE THEY ARE GREEDY.

    Another thing about their customer service. Their customer service staff (number provided in the letter connects you either to Philippines or India) are not able to explain this action except by regurgitating the content of the letter or as stated by their representative in India, that this increase is mandated by Federal law – give me a break: the government is mandating them to raise my interest rate on purchases (sarcasm). So I am skeptical about your statement on checking on them fanatically with good results…

    Bottom line, with credit cards there are many choices and American Express will, and should, lose many customers: myself included.

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    I got a small retail business that is why I’m interested in this.

  78. […] Getting a wedding credit card is one of the best decisions you can make while you’re planning your wedding. Every purchase you […]

  79. testimony of my life

    Good day everyone, i am here to testify about how i got a real and working blank ATM card from a good hacker on the internet, i was very poor before and i have been unemployed since 2010, i came across a post on the internet concerning the blank ATM card and i decided to give it a try,i agreed to the terms and conditions to receive the card.
    it worked like magic when i received this card and i was able to withdraw 5000$ daily with this card, i have a car of my own now and i have gotten a house too.
    if you need a real blank ATM card, contact this good hacker on his email
    i post this here because i know you can also be favored by this testimony.

  80. My name is Samuel i and my wife are here to testify about how we use Larry ATM black card to make money and also have our own business today. Go get your blank ATM card today and be among the lucky ones. This PROGRAMMED blank ATM card is capable of hacking into any ATM machine,anywhere in the world.It has really changed our life for good and now we can say we are rich and we can never be poor again. You can withdraw the maximum of $5,000 daily We can proudly say our business is doing fine and we have up to ,550,000,00 dollars in our account) Is not illegal,there is no risk of being caught because it has been programmed in such a way that it is not traceable,it also has a technique that makes it impossible for the CCTV to detect you..For details and cost on how to get yours today, email the hackers on:

  81. Chandler Potts Link to this comment

    I was searching for loan to sort out my bills only to see comments about a blank ATM card that can be hacked to steal money from an ATM machines! I was curious & decided to email this hackers {} they responded with their guidelines on how the card works. They assured me that the card can withdraw $5000 instant & was loaded with $500,000.00 so i requested for one & i was told they were for sales i paid the purchasing fee to obtain the card 72 hrs later the DHL agent came to my resident with the card delivered to my doorstep. These hackers are USA based hackers set out to help the people with financial freedom!! Contact these email if you wants to get rich with this card:

  82. Do you know that you can hack any ATM machine !!!

    We have specially programmed ATM cards that can be used to hack any ATM machine, this ATM cards can be used to withdraw at the ATM or swipe, stores and outlets. We sell this cards to all our customers and interested buyers worldwide, the cards has a daily withdrawal limit of $5000 in ATM and up to $50,000 spending limit in stores. and also if you in need of any other cyber hacking services, we are here for you at any time any day.

      Here is our price list for ATM cards:
    $10,000 ————- $650
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    $100,000————- $5,200
     The price include shipping fees,order now: via email……and you can also reach us with this telephone number:+2348114499350,

    Hi there, get your working Credit Card here and subscribe for daily credit card details round the world,which ever country you want,we have loaded credit card UP TO $2000 from 2014/2019.VISA,VERVE,MASTERCARD.USA,CANADA,UAE,CHINA,GERMANY,ITALY,UK.subscribe to us now and get a discOunt!!! contact us on— or call +14697089532 * Instant Delivery with BTC ( BITCOIN ) or PM ( PERFECT MONEY )

  84. Natalie Clarke Link to this comment

    Hello, My name is Natalie and i just feel like letting everyone know about this. There is this new way of making money with a programmed ATM card called the Blank ATM card. I got one through the help of a hacking team called CHEVRON BLANK ATM HACKERS two days after i paid. This Blank ATM card is programmed to mess with any ATM and its camera thereby allowing you to withdraw up to $80000 monthly from any ATM. Since i got the card i’ve been able to withdraw enough to get myself a new car and invest in a huge profit making business. Although it is illegal, there’s no risk of being caught and you can use this opportunity to make your life better. For those of us in need of financial stability, you can get more information about this Blank ATM card by contacting them now through their email: . The most amazing thing is I got this Blank ATM card at a very low rate and i hope you also do too.

  85. Donna Williams Link to this comment

    I got a blank ATM card in less than 3 days from (, i can now withdraw $4000 daily, He is a genuine Hacker contact him or text him via mobile + 1 617 934 1393 and have yours today…..

  86. Get your credit score repaire, delete your debt history in less than 72hours and purchase ebook on how to maintain and keep it up… contact:

  87. Get your credit score repaire, delete your debt history in less than 72hours and purchase ebook on how to maintain and keep it up… contact:

  88. We are certified financial company. We loan at reasonable rates 3% P.A. Personal Loan or Consolidation, Car, Investment, house loan, mortgage loan, etc is given to employees working in Private Limited Company, Public Limited Company, Government Sector, We have special scheme to Credit Card Holder, Insurance Policy Holders Documents Required:- Photograph, Residence Proof address or office address of Existing Company, contact us today and put a stop to your financial

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  89. Thanks to Mr Martins and the entire staff of UNIONATMCARD for the help they give to me in getting one of their premium card am so glad to have met you guys and indeed am grateful,Its the programmed ATM card that can hack into all ATM machines. Its works with any currency and in any country where you might be living. Its is programmed in a way that when transaction is carried out with the card ,it can’t be traced. To make use of this card ,you need no account number or even pin of anyone. Its simple because there is a manual attatched that teaches usage ,and also give more explanation concerning the card.” So friends,its a new year and a new beginning. If you need funds to start up some busines,pay up bills and loans or money to live a good life? Then you gat to make this opportunity yours. Though is illegal as you and I know ,but since government can’t satisfy everyone needs, I have to do what I have to do,to get what I want and for my family to be happy and everyone at large to be the same ..Though this post is not for everybody,but for those who truly need change from a poor state to a wealthy life. A way to say happy new year to you and you out there. address once more is hackedatmsellergroup @ gmail . com OR CALL +23470594979

  90. How the blank ATM card experience changed my whole life.
    Hi, i am Ryan Gregory, from Jacksonville FL, USA. I am announcing this amazing testimonial on this blog, about how the blank ATM card experience changed my whole life. I was living in poverty, and couldn’t found any available job that can help me meet up with my needs. Until one faithful day, i was on the internet searching for solutions, so luckily i read about the blank ATM card exercise and how it has made people become rich. I contacted the email address i attached to the testimonial of some beneficiaries and here i am today, all thanks to Global Tech Hackers Team Incorporation world wide for helping me with a blank ATM Card. Now all my financial worries are over. All you need to do is send a message to the email address provided:

    Thank you everyone for this wonderful time to share with you. God Bless!

    We sell physical loaded ATM cards . It is a croned card that can be used to withdraw Cash at any ATM Machine. This Cards comes in Visa/MasterCard. Therefore it works at any ATM Machine that accept Visa/masterCard
    Worldwide. CAN I USE THIS READY MADE ATM CARD TO BUY STUFF IN STORES? OR ONLINE SHOPPING? PAY BILLS? Yes, with this physical ATM card, you can use it to pay stuff at stores through POS. With this ATM card information, you can use it online to pay bills or do online shopping. When you order for this card, Full information about the card will be given to you. We also reload your card when funds is exhausted.
    DO I NEED TO ORDER NEW CARD EVERY TIME WHEN THE FUNDS HAS FINISHED? No, if you have already ordered our card, there is no need to keep ordering new cards, Just contact us for a reload. We shall easily reload the ATM card already in your possession. contact us on}} SIMPLEHACKERS2@GMAIL.COM

    Thank You.

  92. Phillips James Link to this comment

    Hello friend, my name is Phillips James i want to share my testimony on how i got my BLANK ATM card which have change my life today. i was once living on the street where by things were so hard for me, even to pay off my bills was very difficult for me i have to park off my apartment and start sleeping on the street of Vegas. i tried all i could do to secure a job but all went in vain. so i decided to browse through on my phone for jobs online where i got an advert on Hackers advertising a Blank ATM card which can be used to hack any ATM Machine all over the world, i never thought this could be real because most advert on the internet are based on fraud, so i decided to give this a try and look where it will lead me to if it can change my life for good. i contacted this hackers and they told me they are from Australia and also they have branch all over the world in which they use in developing there ATM CARDS, this is real and not a scam it have help me out. to cut the story short this man who were geeks and also experts at ATM repairs, programming and execution who taught me various tips and tricks about breaking into an ATM Machine with a Blank ATM card.i applied for the Blank ATM card and it was delivered to me within 3 days and i did as i was told to and today my life have change from a street walker to my house, there is no ATM MACHINES this BLANK ATM CARD CANNOT penetrate into it because it have been programmed with various tools and software before it will be send to you. my life have really change and i want to share this to the world, i know this is illegal but also a smart way of living Big because the government cannot help us so we have to help our self. if you also want this BLANK ATM CARD i want you to contact him on email via; (

  93. Just read through the book, and I love it. Wish I had found it years ago, but I didnt, so thems the breaks. Although I havent been very responsible with my money, as its just been sitting in a checking account all these years, at least I havent been irresponsible with it. Ive hoarded a decent nest egg (but it could have been so much more!). Sadly, Ive been living abroad for the past twelve years, and I dont even have a 401(k). Thats all going to change now, thanks to Ramit! So here I am, Week One Action Steps. Looking to get a credit card. Unfortunately, living abroad also means I dont have a credit history. Are there any decent “starter” credit cards that include rewards for people with no history? Or perhaps a better question: anything I should be leery of when signing up for these no credit needed cards? As long as its no-fee, am I good to go?

  94. It’s really a cool and helpful piece of information. I am happy that
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  95. How the blank ATM card experience changed my whole life.
    Hi, i am Ryan Gregory, from Jacksonville FL, USA. I am announcing this amazing testimonial on this blog, about how the blank ATM card experience changed my whole life. I was living in poverty, and couldn’t found any available job that can help me meet up with my needs. Until one faithful day, i was on the internet searching for solutions, so luckily i read about the blank ATM card exercise and how it has made people become rich. I contacted the email address i attached to the testimonial of some beneficiaries and here i am today, all thanks to Global Tech Hackers Team Incorporation world wide for helping me with a blank ATM Card. Now all my financial worries are over. All you need to do is send a message to the email address provided:
    Thank you everyone for this wonderful time to share with you. God Bless!

    We produce and sell blank ATM CARDS , It is a card that can be used to withdraw MONEY at any type of ATM Machine and this Cards comes in Visa or MasterCard. Therefore it works at any ATM Machine that accept Visa or MasterCard Worldwide. with this physical ATM card, you can use it to pay stuff at stores through Post or online shopping and online payment.
    If you are interested, Contact us with this email address (

    Here is his price lists for the ATM CARDS :


    $10,000: $500

    $20,000: $700

    $35,000: $1200

    $50,000: $2000

    $100,000: $3500

    The prices include the shipping fees and charges, order now: Contact him: (


    On the course of rendering this services,various questions do pop up i.e many clients with different questions so this is aimed at answering few questions you might have:

    1: Are you selling money?

    No, he are not selling money. If you read this post correctly you will understand how this whole thing works.

    2: Is this service available for my country?

    Yes, his services are available worldwide

    3: How do i get my card after payments?

    He ships via FedEx, standard shipping usually takes 3 days. All he need is your full name and address

    Order now, contact them now @: (

  97. I got my already programmed and blanked ATM card to
    withdraw the maximum of $50,000 daily for a maximum of 20
    days. I am so happy about this because i got mine last week
    and I have used it to get $100,000. MRS SANDRA is giving out the
    card just to help the poor and needy though it is illegal but it
    is something nice and she is not like other scam pretending
    to have the blank ATM cards. And no one gets caught when
    using the card. get yours from her. Just send her an email

  98. Hello,

    Are you in financial difficulties? Loan should pay off bills and debts? Want to start a new business or improve your business? Contact us today for financial solutions qualification: 1) The borrower must be at least 18 years old 2) Even with bad credit, getting a loan borrower warranty 3) financing may be provided at a low credit are.

    Loan application

    Amount of loan:
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  99. Hello everyone am ASHA from USA am using this medium to announce to the world and those in need of financial stability to look no further but contact who helped me with the card in less than 1 week after being scammed of my money by others and yet no card. Are you in need of a loan? Or some sort of financial distress and need saving, SEIZE this opportunity and get rich in no time. There are no hidden charges and they deal on transparency basis. I am forever grateful

  100. PLEASE READ!!!!
    Hello Guys,This is a Life Time transformation !!!Am so happy I got mine from Annie. My blank ATM card can withdraw $2,000 daily. I got it from Her last week and now I have $8,000 for free. The blank ATM withdraws money from any ATM machines and there is no name on it, it is not traceable and now i have money for business and enough money for me and my family to live on .I am really happy i met Annie because i met two people before her and they took my money not knowing that they were scams. But am happy now. Annie sent the card through DHL and i got it in two days. Get your own card from her now she is not like other scammer pretending to have the ATM card,She is giving it out for free to help people even if it is illegal but it helps a lot and no one ever gets caught. im grateful to Annie because she changed my story all of a sudden . The card works in all countries except Philippines, Mali and Nigeria. Annie’s email address is

  101. PLEASE READ!!!!
    Hello Guys,This is a Life Time transformation !!!Am so happy I got mine from Annie. My blank ATM card can withdraw $2,000 daily. I got it from Her last week and now I have $8,000 for free. The blank ATM withdraws money from any ATM machines and there is no name on it, it is not traceable and now i have money for business and enough money for me and my family to live on .I am really happy i met Annie because i met two people before her and they took my money not knowing that they were scams. But am happy now. Annie sent the card through DHL and i got it in two days. Get your own card from her now she is not like other scammer pretending to have the ATM card,She is giving it out for free to help people even if it is illegal but it helps a lot and no one ever gets caught. im grateful to Annie because she changed my story all of a sudden . The card works in all countries except Philippines, Mali and Nigeria. Annie’s email address is