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The L.L. Bean Credit Card looks like a good pick, but only if you shop at L.L. Bean a lot. The 3% rewards at L.L. Bean are nice, but considering that you will be using this at a lot of other places where you will only be earning 1% everywhere else is my deciding factor. Plus, the interest rates are not that great. However, the free monogramming is kind of cool…If you’re a big L.L. Bean fan, go for it. Everyone else though should keep looking.
If you have good to excellent credit and like to shop at Cabela’s, this is the card for you. Not only do you get an excellent interest rate (compared to other department store cards), you earn 2% in club points for all of your Cabela’s purchases. Other perks include no annual fee (another plus compared to most department store cards), and no maxout of points! Great pick!
If you like to shop on Amazon.com, this card is an absolute winner! Overall, a very generous rewards program that can be applied to Amazon.com purchases, especially with the 3X Amazon points and the 30 dollar gift card starter. Plus, the interest rate for the card is competitive or lower than most of the department store cards that I have seen. If you like Amazon.com, this is the card you should be using.
The BP Credit Card is a better than average choice if you are in the market for a card that offers a great gas rebate program. Assuming you live near or travel near lots of BP gas stations, the savings will add up quickly, especially for those who do a lot of driving. Although I’m not a fan of any card with an interest rate over 20 (and this one squeaks by that standard at 20.24%) the savings from the gas rebates at the pump will lower your monthly gas expenses and should offset that rate. If you live near a lot of BP’s, this is the gas card for you.
The Household Bank MasterCard is a pretty decent card for those with fair credit, and it’s a surprise to see that they don’t offer it anymore. Let me start by saying this card isn’t fancy. No cool rewards programs or special cash back options. What you get here is an average card with a lower than average interest rate for those that might have a few bumps in their credit history. The almost 60 dollar annual fee might scare away those with higher credit, but if you need a card and are getting declined everywhere else, it might be a fee you can live with. A decent option.
The Sunoco Card is an average card as long as you happen to live near a Sunoco station. The ThankYouPoints system for purchasing fuel is above average and pretty generous as long as you can purchase your gas from Sunoco. If you purchase your gas anywhere else though, the benefits of carrying this card just aren’t there. An above average interest rate along with a 5% balance transfer fee just don’t make this card a stand out. Doesn’t surprise me this card is no longer offered.
The Capital One Cash Rewards for Newcomers card is an OK card for those with little or no credit. The 24.99 APR might scare off those with average to fair credit, but it does come with a 1% cash back program to help offset that high interest rate, especially if you don’t carry a high monthly balance. This is the niche that the card has in the market, as most people with little to no credit will not qualify for a card with a decent cash back rewards program. The 2% travel cash back is ok, but most people with poor to no credit aren’t doing much travel to make this a deal-maker. The bottom-line is that this is a good first card for college students and those with low credit as long as you don’t carry a high balance.
Ok, let’s talk about the elephant in the room, and I’m talking about the $450 dollar annual fee. Is it worth it? Do you purchase a lot of stuff from amazon, because if you do, the unlimited free two-day shipping could save you lots of money if you do, easily overcoming that annual fee. But then again, that’s only for the first year. After that, you have to pay to keep Amazon Prime. How about the 25,000 reward point you get when you spend $2,000 in the first three months. That’s a nice bonus, but it’s also a one-time deal. After you get that bonus, there are no more like it. So what it boils down to is that there are no real perks after the first year of ownership to offset that $450 annual fee. My advice, keep looking.
What a horrible card! 29.99% APR, on top of an absolutely ridiculous fee structure! A 12 dollar monthly fee to have the privilege of carrying this turd in your wallet, on top of a 75 dollar annual fee? That’s over 200 bucks a year people. Oh yeah, plus a 29.99% APR. Bottom-line, this is predatory lending to people with bad credit at its worse, and you could probably get better rates at a payday loan institution. No wonder they don’t make this anymore. Stay Away!!
This looks like a great card. I love how you get 3% back on gas because that will quickly add up in a three car family like mine. Having the cash directly deposited into your account is also a plus, as I have had headaches before with prior cards. It's a pain in the butt to have to wait for a cash reward check that takes four to six weeks to get to the house. The interest rate on the card is competitive compared to other cash rewards cards on the market, as long as you have decent credit. Otherwise, I can't see how cash back rewards will really pay off if you are paying 22% interest. As long as you keep a low balance and pay it off each month, this card looks like a winner!
My wife has had a Chartway Federal Credit Union account now for six years, and she loves it. Although not as well-known as some of the other Federal Credit Unions in the Hampton Roads, Military friendly communities, Chartway is an excellent option for your credit union needs. Chartway has tons of ATM's in my area (Virginia Beach), competitive rates for their loans, and super-friendly staff who are always willing to go the extra mile to assist. Setting up an account was a breeze as well, and after submitting her direct deposit forms, we have had zero issues with deposits. Their website is a breeze to navigate as well. Overall, a solid option.
The Chase Slate card I, in my opinion, is a pretty good credit card. Of the cards that I own, I would say that I use this one the least, but that is only because the APR on it is a lot higher than the other cards. I haven’t really tried to use the “Blueprint” option on it either, but that only because it seems a little like a “no-brainer” to me. I use automatic billing with my bank to pay off my balance when I have one, and I’ve never really had any problems with it so far. In all, a great introductory card with great customer service and billing departments.
I recently purchased a new home at my new duty station here in Virginia. After talking to a few friends at work, I decided to call Farmers Insurance for my home insurance based on their recommendations. Boy, am I glad I did. Now, I've only had homeowners insurance once before (I am not saying the company’s name) but the differences between the two companies is like night and day. The agent from Farmers was awesome. He took the time to explain the different coverage options I had and answered all of my questions in an easy and professional manner. Additionally, their rates are just as competitive as some of the cheaper companies’ rates, but with better coverage. So far, Farmers is a winner!
I got a sears card 10 years or so ago when I bought my first lawn mower. Initially, I had a $1000 limit, but over time my limit has increased to $4,000 with minimal to below average usage. Typically, I make a big purchase with it, pay it off over a year, and then buy something else. The interest rate is actually lower than some of my other credit cards, so I actually prefer to use this for my appliances/ electronics, etc. Administratively, I have never had any issues with them, billing or otherwise. To be actually honest, I don’t even think I have ever had to call them about anything. Add in all the special perks and sales, and you have a winner. Highly recommended.
I’ve been a Progressive customer for over a year now. They had the lowest rate available when I was shopping around to renew, and the application process was quick and painless (less than 20 minutes or so). Once I was done, I had insurance documents ready to print in my email inbox, and I was good to go. About 6 months ago, we purchased a new car. Progressive again had my new car insured within 5 minutes, and my information was quickly sent to the car dealer and my email inbox. No complaints on the service here. I am up to renew my policy next month, and as long as their prices have stayed comparable with the competition, I have no problems staying with them. Great so far!
As a military service member, my insurance options were a little bit limited when I transferred to Gaeta, Italy a few years back. The majority of major carriers wanted to jack up my premiums quite a bit due to the abundance of crazy driving over there. USAA was actually able to give me a decent rate compared to what I was paying before the transfer, and their application process was relatively painless. Ironically enough, I was eventually involved in an auto claim while I was stationed there. During the process, I did have to send information back and forth to them multiple times, but I don’t know if that was because of the distance or USAA information processing. Eventually though, my claim was processed correctly. When I got back to the states, I was able to find a better rate. My overall rating is good, but there are better ones.
I Just recently opened my Ally Bank Money Market Savings account. That was last month. Their website is very easy to navigate, and the application process was very smooth and quick. After completing my application online, I was able to transfer funds from my old savings account to the new one in less than ten minutes. I switched from my old account because I wanted a higher interest rate, and the interest rate is one of the highest available for online savings. Additionally, I have also been impressed by their customer service, as I have received a couple of follow-up emails asking me how my experience was and if there was anything else I needed. A class act.
This is easily one of the best, if not the best credit card I have ever owned. The cash back options are awesome! I like to use my card for gasoline purchase, and with all the driving I do, the 5% cash back adds up rather quickly. I have accumulated quite a bit of swag over the past two years redeeming my points, and my interest rate is a little bit below average compared to most cards for my credit rating which is actually a bit spotty due to the housing bubble. Their website is also easy to navigate, and setting up payment alerts to go to your email inbox is a breeze. Great card!
I decided to change insurance companies and had always heard about how good State Farm was, so I decided to make the switch and give it a try. I was told to come into the office, which took a little time out of my day but I was willing to give it a try. When I arrived in the office, I was told by another agent that my agent needed to reschedule, and that he was sorry he couldn't be there, in essence wasting my time since he didn't bother to give me a phone call or email. I gave him the benefit of the doubt though and came in for a second time, and after sitting down for a few minutes, I realized that the rates he quoted me over the phone were not going to be the rates I was getting. This was the final straw, and I ultimately went with another company. Had their customer service been a little bit better, I would have signed with them.
I joined Andrews while I was stationed overseas in order to purchase a car, on the recommendation of another service member that I was stationed with. This is easily of the most military friendly credit unions there is. During the loan process, all I had to do was tell them my rank and they knew all of my military compensations (OHA, BAH, etc). The loan process took less than 10 minutes, and I was approved in less than 1 hour, with a great interest rate to boot (even better than that other credit union most service members in the Navy use!) Online bill pay, and a great website convinced me to use this bank for all of my automobile financing, and I have since financed two more vehicles with them. Great bank!
I opened a home mortgage account with Wells Fargo in 2005. Things were fine until I was given military PCS orders in 2008 and I was forced to sell my home. After the bottom dropped out fo the housing market, we were unable to sell our home, so i began having to work with their "liquidations" department. Let me tell you, these people are an absolute nightmare! Over the past 3 years (yes, this problem is still lingering!), i have gotten wrong information, wrong phone numbers, lost paperwork, wrong fax numbers, hung up on multiple times...I can go on and on. And to date, my home is still not foreclosed on!!! I have asked, requested, even begged for them to complete the process for a deed-in-lieu, yet they still keep losing the paperwork, asking for more paperwork, giving me the wrong numbers. UGH!! Never again!
I have been a Navy Federal Credit Union customer for over 11 years now, and I love them. They always have great rates on their products, and their customer service is excellent. I have never had any problems with any of their products, including my checking account, savings account, two credit cards, and two auto loans. Additionally, when my wife’s debit and credit cards were stolen a few years back, Navy Federal quickly took care all of the illegal charges off of our account, no questions asked. Navy Federal also has locations near almost every major Navy installation, for those who are in the service. A top pick!