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I was looking for a new rewards checking account to store my savings in, as interest rates have been falling all across the country and it's difficult to find any sort of decent return on your deposit. I came across Money One after a web search and found they were just what I was looking for. Offering 3.01% APY, they have the highest interest rewards checking you're going to find at the moment. If you're not employed at one of the businesses or churches they're connected with, you can make a one time donation to a charity to become eligible. So far they've been a great institution, and I'm hoping their APY remains high.
The Lord & Taylor store card offers a fairly nice bonus of 15% off your first purchase when using it; beyond that though, there is little to recommend it. The APR is dismally high, and the offered "periodic discounts" are too vague to be reliable. If there was more specificity as to when and how often you'd get these discounts then the card would be easier to recommend. As it is, it's just another store card with a really high interest rate that doesn't have much to offer in return. Use it once for the 15% discount, pay it off, toss it in a drawer and forget about it.
With monthly fees regardless of how much you have loaded on the card (with the fees going UP quite a bit if you have less than 500 loaded), fees for both live and automated customer support, fees for using an ATM, and even fees for cancellation, I can't understand why anyone would choose to use the ironically named UPside Prepaid Debit Card. You will be nickel and dimed to death regardless of how you use the card, and would be better off using the debit card from virtually any bank or credit union. If you must have a prepaid debit card, take a look at Chase Liquid.
Designed to help those with poor credit begin repairing their credit score, the Wells Fargo Secured credit card charges a frighteningly high 19% interest rate for a card requiring equivalent collateral for each dollar of credit available. With none of the benefits you'd see on an unsecured card, the Wells Fargo Secured card requires that your money be tied up in the bank, collecting interest for them and not you. While you're unlikely to find much better in terms of cards offered for those with poor credit, this card seems like it's just taking the opportunity to gouge those who are already in trouble.
With a slightly better than average rewards point system and surprisingly reasonable interest rates if your credit is good, the AAA Member Rewards credit card is a solid card to use should you travel a lot. With 3 points per dollar on travel expenses and AAA purchases, and 2 points per dollar on gas, if you're frequently on the road this card could be quite handy. Compared to a lot of rewards cards which offer a maximum of 2 points per dollar on specific purchases, the AAA Member Rewards card will help trim a bit more change off your travel costs.
Similar to many other store cards, the Ann Taylor LOFT card offers a token amount of rewards points for general shopping but 5 points per dollar when spent at LOFT and other Ann Taylor stores, including the online shops. The interest rate is high, as are those of most store cards, but it has some small perks that help it stand out from other cards, such as 10% off on certain days both in store and online when you use the card, as well as a small discount on an item during the month of your birthday. Refrain from keeping a balance on the card, but if you're a frequent LOFT shopper the rewards could add up fairly easily.
Aside from a fairly low APR, depending on your creditworthiness, the Household Bank credit card offers virtually nothing in the way of perks to set it apart from other cards. There are no rewards programs or cash back and it's not available to people with limited credit history. However, it does offer discounts at some merchants depending on availability at your location. However, the yearly fee (which is waived for most cards during the first year, but not for this one) goes up after the first year. There are a lot of other cards that offer more, without any sort of annual fee. I can't recommend this one.
Offering a fairly standard 2% back on travel purchases and 1% back on all else, the place where the Capital One Cash Rewards for Newcomers Card shines is in its availability to people without much of a credit history. While helpful for building credit for those that really need it, the prohibitively high APR makes it a costly card to maintain any sort of balance on, though this is somewhat expected for a beginner's credit card. The lack of an annual fee makes it somewhat more attractive, and it's rare to find a rewards card available to new credit holders. On the whole it's a decent card.
The Citi Diamond Preferred card is a solid but unremarkable credit card. At its lowest interest rate of 12% it's a good value, but that interest rate can scale up as high as 22% depending on credit rating. The introductory rate of 0% for 18 months and the lack of an annual fee make it a good, but not outstanding card. With no rewards program to really make it stand out and incentivize use , the only perks really seem to be the concierge service offered with the card and the opportunity to access pre-sales at certain events, which are not enough to make it stand out from the crowd.
At a nearly 6% rewards rate for every dollar spent, the Express Store Card has a slightly higher rewards ratio than most other store cards. It is unfortunately offset a bit by the slightly higher than normal 24.99% APR that would quickly eat away any savings you made if you didn't pay the balance off monthly. Small perks like a gift on your birthday and opportunities to gain rewards even faster help ease the sting of the high APR. Spend $500 on the card and you'll be upgraded to a-list status which offers additional rebates and an increase to 20 reward points per dollar spent, as well as free shipping from their website. The perks once you reach A-list really make the card shine, and are well worth it.
The Victoria's Secret store card (or Angel Card) has a lot of interesting bonuses. You accrue points at a fairly mediocre 1 point per dollar spent, with a max of 2 points per dollar on certain purchases, making your maximum reward slightly under 5%. However, it also comes with early access to sales, a booklet of coupons to use during the next year, and small gifts on your birthday and card anniversary. You'll also get certain offers exclusive only to card members, like recently when they gave out random coupons to any card member making a purchase over 10 dollars, with the coupon values ranging from 10 to 100 dollars. The APR on the card is a little high, so I wouldn't carry a balance on it, but the tons of little perks from owning the card make it a good value.
The Target Store card offers a fairly standard but unremarkable 5% cash back when used at Target, with a middle of the road APR rate of 22.9%. However, where the card shines is in the free shipping offered when using it on Target.com, and in granting you 30 more days to return an item beyond the normal return policy. If you frequently shop online at Target then the savings from using this card would add up quickly. I can think of very few other store cards that offer this type of policy, and I'm hoping it's something other companies pick up on.
Initially the 5 points spent for every dollar spent at a Gap Inc. store using your Banana Republic Credit Card sounds like an unusually good deal, especially if you're a frequent shopper at these stores. Most cards only offer 2-3x points when used at the store that issued them. However, the redemption of those points requires 1000 points for a 10 dollar certificate. So essentially a flat 5% back at any Gap Inc. store, with the 1 point for $1 if used elsewhere being fairly trivial (amounts to 1% back). The APR for this card is also not the best, being fairly steep at ~24%. A decent card if used exclusively at Banana Republic and other Gap Inc stores, but I wouldn't recommend keeping any sizable balance on it.
With a lower APR rate than most store cards and reward points being able to be accrued even when used outside Best Buy, the Best Buy credit card is a good value for a store card. The 2.5 points for every dollar spent at Best Buy makes it a valuable card to have if you plan to do any large purchase, or shop there frequently. The APR rate of 17.99% is low in comparison to other store cards which often have rates up to 28%. However, there's no indication whether the reward certificate you get at 250 points is a coupon only usable at Best Buy or whether it can be applied toward your bill.
The only real redeeming value I can find for the Mango Prepaid card is that it allows you access to Mango's saving account which apparently offer 6% APY on your money, which is high above the average level of interest at the moment. However, the card itself seems mediocre. You will get nickle and dimed for everything you do with the card short of straight transactions. Want to use an ATM, any ATM? There's a fee. Check your balance? Fee (even for using the automated system!). Don't load at least $500 onto the card in a month? Fee. There's even a fee to cancel the card if you get sick of them constantly rifling your pockets for change. If you cannot get anything else, be very careful about how exactly you use the card or you might find yourself losing more money than you expect.
The Staples Store card offers a decent, but uninspired, rewards system of a straight 5% rebate on any item purchased at Staples. This is a higher rate than most cards offer, however it is through the Staples Rewards program which you might be able to sign up for without the credit card. The lack of an annual fee is good, but you'll need that money to afford the extremely high APR with no introductory rate to cushion the blow. Perhaps decent for people that spend extremely large amounts at Staples and can pay the bill in full to avoid the finance charges, I can't see recommending this card to anyone else who doesn't desperately need to build their credit.
The Kroger's 1-2-3 Rewards card seems like a good value at first. The various tiers of reward point accruals make it useful as a general use card, but grow in value the more you use it at a Kroger store and buy Kroger brand products. However, point redemption is only $5 per 1000 points accrued, meaning the maximum rewards you can see are $1.50 for every $100 spent, and that's if you use the card for nothing but Kroger products. If you buy fuel from a Kroger then the value of the card goes up, and the interest rates are reasonable, especially for a store card, and the 9 months of 0 interest are good. Overall a decent card if you use it almost exclusively at Kroger.
The charge card version of the Blue credit card, the American Express Green Card allows you to have some of the benefits of a credit card but requires the balance be paid in full each month. Better than a debit if you don't have funds right now, and without the interest rates associated with a credit card, the Green Card is good if you travel frequently. With its double points on purchases made through American Express Travel and the ability to redeem points in the same site, you could quickly rack up points if you fly a lot. However, the redemption options beyond this are limited. Additionally, while there's no annual fee the first year, the $95 every year after is a bit rough.
The Blue from American Express card offers good value at a reasonable rate. With its initial bonus of 10,000 points for 1000 dollars spent within the first three months, it gets you off and running on using its rewards system. There's a wide range of ways you can spend the points you accrue, and the double rate accrual on purchases made through their online travel site is good if you're a frequent traveler. With reasonable interest rates and no annual fee, the card compares favorably to others in its class. The 0% interest rate on the first 15 months of purchases is also extremely good. I like this card quite a bit.
My initial impression of the L.L. Bean credit card was that is a good value. The interest rates are fairly low for a store card, there's no annual fee, and the 1% rewards on general purchases and 3% on purchases made at L.L Bean are on par with some of the better store reward cards, such as Amazon. However, where most other cards that generate points allow those points to be applied toward your balance or toward purchases at a variety of different places, the points rewarded by this card only apply towards coupons for L.L. Bean. It seems like a really good card if you shop frequently in their store, as points would accrue quickly and rewards could be easily spent.
At a glance, the Tire Kingdom store card doesn't seem like an incredibly good value. The interest rate is outrageously high, with minimum purchase levels required for the interest to be forgiven even if the card is paid off. It also promotes $0 liability on unauthorized purchases as though this wasn't a standard, base level of expectation from a credit card. There's no rewards offered beyond Visa prepaid cards for certain purchases made at their store. In the event of an emergency where you needed new tires quickly and could afford to pay them off before getting charged the interest, then perhaps this card would be useful, but I can't see using it for anything else.
While there are some perks to the JC Penney reward card, such as the gift on your birthday and the $10 dollar reward for every $100 spent at JC Penney, there are also some drawbacks. The APR is incredibly high, so unless you intend to pay the card off each month it's a very costly card to hold a balance on. Also, the rewards rate of 1 point per $1 is low and offers no additional incentive to use the card at JC Penney itself (unlike, for example, the Amazon reward card which has 3 points per dollar spent at Amazon). It may be a decent card for building credit, but has several failings compared to similar cards, and I would never maintain a balance on it.
I love my Chase Sapphire Preferred Card. The introductory 40,000 points is a great deal, especially when coupled with the 20% rate reduction on things like plane tickets and car rentals when you redeem the points via their ultimate rewards offers. Their APR is fair, and their annual rate is relatively low for a card of this time. I like accruing double points on travel and dining. Also, an unimportant note, but the card itself is metal and has a solid feel to it that makes it seem impressive. I'm looking forward to using this as my primary credit card from now on.
I've been a customer with 1st USCU for close to 15 years, with it being the first place where I had a checking account. Over the years, the staff has always been pleasant and considerate whenever I have had to deal with them. There have been a few times where they have refunded fees due to an overdrawn account after speaking with them on the phone, which they were obviously not obligated to do. The options for account types are somewhat limited, with no rewards checking offered, or any sort of saving account with anything resembling a reasonable interest rate. However, if all you need is a typical checking account, they won't nickle and dime you for using it like some banks.
I joined Consumers when they were offering reward checking with a 4.09% interest rate, which was far and away the best rate available at the time. Their qualifications for the high interest rate each month were reasonable (1 direct deposit and 12 uses of the ATM card without the pin), and they also would reimburse four ATM usage charges. Despite them not being a local credit union the sign up process was painless and I had my account opened quickly. The few times I've had to contact them they've been helpful and answered my questions quickly. Their checking interest rate has dropped since I've joined them, but is still reasonably high in comparison to other banks and I still feel they're providing a good service.
After switching to State Farm for my auto insurance, I then began to consider whether getting homeowners insurance might be a good idea. I decided to contact my agent to get an idea about what was involved and what sort of cost I'd be looking at. The agent helping me was very knowledgeable and patiently ran me through all the options and eventually I decided it was worth getting the insurance to protect against the possibility of something unforeseen happening. Their rates were very reasonable and worth it for the peace of mind knowing that I'll be protected in case of disaster. Additionally, getting home insurance also lowered my auto insurance policy cost with them. Overall I've had a good experience with State Farm.
Prior to my current insurer, I had car insurance from Progressive. It was the first insurance I had, having gotten it shortly after getting my license, so while the price was a little high it was to be expected as a new driver, and it was the lowest of the online quotes I'd gotten. So everything was alright for a time, and then when the time came for renewal my rates rose a little. Nothing significant, but a little annoying. Time comes around for renewal again, and again my rates rise. At this point I'm rather irritated, and I call to ask if my rates shouldn't be falling rather than rising as I go along with no accidents or moving violations. I get a brush off that the rates are recalculated each time and there's nothing they can do, then they try to up sell me by saying my car insurance rates will drop a little if I also buy home owners insurance from them. What, so I can watch that rise each time too? The final straw was when I moved across town, and my insurance immediately jumped another $15 a month as soon as I changed addresses, not even waiting for a renewal this time. I started looking for new quotes and was offered a rate by State Farm that was literally HALF what I was paying Progressive. I find it hard to believe that the calculation for determining policy prices is so radically different between the two companies. Basically, if you're a customer who is getting a reasonable, unchanging rate from Progressive then they may be a decent company. But I'd really keep an eye on your bill.
I had a car insurance policy with Progressive for a number of years, but grew tired of the continual rate increases each time it renewed and how much higher my rate seemed to be compared to all my friends, so I started shopping around. State Farm sent me a quote that was literally half of what I was currently paying. Thinking it might simply be a bait and switch scam, and I'd be told that offer wasn't available when I called, I was somewhat suspicious when contacting them. I was very pleasantly surprised when they had no problem signing me up at the promised rate. Not only that, but roadside assistance was included in the price of the policy, which Progressive charged extra for. The agent, Toan Tieu, was very helpful via e-mail as I asked him questions, and his office staff was great on the day of the switchover. So far I've been very happy with State Farm and hope to continue doing business with them for years to come.
This was the first (and only) American Express card I've had. I was initially hesitant when I saw the application, as unlike most of the other cards I have this one charges an annual fee. However, I did the math and realized that with the high rewards earning potential the card would essentially pay for itself and then some, and that's just in terms of rewards earned on groceries and gas, not counting the bonus you get initially for spending 1000 on it within the first three months. It's also more widely accepted than my Discover card. My only complaint would be that it can sometimes be difficult to redeem your points, but it's not too terrible a hassle. Overall I'm quite pleased with this card.
The Capital One Platinum card was one of the very first credit cards that I got, and currently has the longest credit history on my credit report. The card has a reasonable rate, and occasional bumps in the limit have pushed it up to a decent amount over the years. The yearly fee could afford to be dropped, what with all the other alternatives out there without an annual fee, but the 24-hour roadside and travel assistance make up for that, along with free insurance coverage if you use the card to rent a car. All in all, a solid and dependable card.
Bank of the West had been a loyal customer at my place of business for years, so when the time came to look for a car loan for myself I decided to return the favor, and I was glad I did. The loan specialist I spoke with was friendly and helpful, and helped reassure me on several points as this was the first time I'd ever taken out a car loan. The entire process went smoothly and I felt everything was detailed clearly for me. There have been times since where I've had questions regarding repayment and other things, and they've always been quick to help and very cheerful. I'll be considering opening other accounts with them in the future as I'm quite happy with their service.
I originally got this card due to an offer of a $50 gift card from Amazon if I signed up for it, and I'm very glad that I took the offer. I make a lot of purchases through Amazon, and the 3 points per 1 dollar spent there really racks up reward points quickly. Plus Amazon makes it extremely easy to use your accrued points on your purchases, so there's no hassle in redeeming them. I even end up using it at places other than Amazon, simply due to the ease with which I can use the points that I get.I'd definitely recommend this card to anyone who regularly shops with Amazon.
I had a card with Discover early in my adulthood, that I unfortunately had to close because I wasn't responsible enough to handle credit at the time. They were always a fantastic company, willing to work with you and always helpful. Now that I've got my finances in order, I applied for the Discover More card and was accepted. I love their rotating 5% cashback offer, along with the 1% on all purchases. It makes going to the gas pump a little less painful knowing you'll be getting 5% back. Another thing not often considered when getting a credit card is that their site is really well designed. Whether looking up past statements, giving you financial calculators, or showing you what cashback bonuses are being offered this month, the site is intuitive and useful. I'm really glad to be a customer with Discover again.
I first opened a checking account with Wells Fargo when I started my first job, 14 years ago, and have since opened a savings account and bought several CD's from them. I've yet to be given any reason why I'd ever want to leave. I've had nothing but good experiences with both local branches and ones in other areas when I'm traveling. Their rates have always been reasonable and their staff friendly, going out of their way on several occasions to help me resolve issues that were honestly caused by my own errors. When my debit card number was stolen and used to make purchases, they were quick to shut it down and get the issue resolved so I recovered my money. I hope to continue being a customer for some time.