The cost of purchasing a certificate program online varies depending on your state and how many certificates you need.
In many states, a certificate is a credit card with the option of renewing at a discounted rate, but there are also certificates that have no expiration date, but are still subject to credit card terms and conditions.
Here are the top 10 certificate programs online.
Microsoft Certificate of Completion (MOCC) – $1,066.89 2.
Fidelity Financial Mastercard – $835.39 3.
Visa Mastercard with a 1-year commitment – $2,849.97 4.
Amex Mastercard $1.9 million with annual fee – $7,895.46 5.
Mastercard Preferred $2.8 million with a 10-year anniversary commitment – no expiration – $9,064.86 6.
Discover Premier Mastercard 2.8% annual fee with a 30-year renewal – $17,735.30 7.
American Express Platinum Preferred $1 million with no expiration, 1-yr/$10,000 annual renewal – no credit card fees – $5,742.98 8.
AmEx Mastercard (plus 1-month credit) $3,500 with no annual fee and 1-yrs/$15,000 renewal – 1-Month $9.5 million credit card – $6,974.30 9.
AmEX Mastercard 1-Year $4,000 with 1-Mile/$20,000 Annual renewal – annual $10,853.21 10.
MasterCard Gold Preferred $4.9 with annual renewal and 1.5-yrs/30-Day/$100,000/year – no annual fees – no extension fee, 1.25% fee and a 0.75% fee for the next 12 months.
Source: Microsoft Online Certificate Programs Online Certificate programs may be available to all consumers who hold a valid MasterCard or American Express Card.
They can be purchased from participating credit unions or other approved retailers.
The credit unions must approve the certificates and they must be used within 30 days of the purchase date.
The certificate is not available to consumers who don’t have a credit union account.
The cost varies based on the state and the issuer.
In New York, consumers can purchase a certificate for $1 and pay no fee.
The issuer also sells certificates at an introductory rate of $2 a month.
Consumers with credit cards that don’t offer a 1st-year guarantee or a lifetime guarantee can purchase an initial $500 certificate and pay an annual fee of $500, which will increase to $1 for every additional $1 of purchase.
A minimum purchase is $2 for the first certificate, $500 for the second and $1 per $1 after that.
The first certificate expires at the end of the first year.
The second certificate can be renewed for a total of 3 years.
Certificates expire at the beginning of the following year, unless a cardholder renews it before that time.
To buy a certificate, consumers must have a valid credit card and a valid state-issued ID card.
A valid credit or debit card is required for purchases from a U.S. bank account.
In most states, it is illegal for consumers to use a credit or a debit card for online purchases of certificates.
Visa and Mastercard also sell certificates online.
The certificates are not available in some states.
For more information, see The most popular online certificate programs.