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The Menards Store Card is one of those card specifically aimed at a certain group of people. The initial offer of a ten dollar certificate after charging your first hundred is okay at best but there is no real incentive to stick with this card. The 2% annual rebate for Menards purchases is only appealing if you’re a contractor in home remodeling and are expecting to make plenty of purchases through the year. The gas and convenience store rebates are laughable because you can do so much better using other cards. Unless you are a home contractor, don’t bother with this card.
I started with Chase more than three years ago. I could not be happier with Chase Total Checking. I previously had three checking accounts and none of them could ever match up with the satisfaction I get from this one. I don’t have to worry about a service charge because of my weekly direct deposits and beingere is always a Walgreen’s pharmacy around the corner which provide a Chase ATM. The website is easy to use and helps me pay my bills, pay other people and keep track of where my money is going to. Chase is awesome and I would recommend that everyone give this checking account a look.
Like most store specific cards, the Belk Store Card is only good if you frequently shop there. Since this store operates mostly in the southeastern part of the country, I wouldn’t be getting much use from it. A store credit card similar to this one is Sears or Kmart card. Just like Belk, they offer all my household needs and furniture but aren’t really the best place for a deal. Combined with no intro rate and pretty high APR, I would consider looking elsewhere for a better card. I’m sure that with points earned through shopping and exclusive savings days for card members, you could probably break even but the idea is to get a good deal with your card.
At a glance, the GAP Credit Card may seem ideal to someone who shops there frequently but there really isn’t much benefit from this card. First off, there the initial bonus offered is no different than a coupon you would receive in the mail or email. The APR is laughable with a rate usually reserved for people with bad credit. GAP does offer rewards for shopping at other stores too and discounts for shopping on certain days. Overall, I can’t justify using this card over a general credit card. There are better options out there and this is not one of them.
I’ve had my Walmart Store Card for close to 5 years. One of the main reasons that I keep this card is because of its convenience. Other than Target, I shop at Walmart and its sister store Sam’s club. I can get 5 cents off a gallon of gas which is really appealing since I’m always on the road. My first qualifying purchase got me twenty-five dollars cash back. Just this last spring I was given a coupon for any purchase up to $1000 at zero percent interest. What’s good about this is the coupon is valid for one year and it’ll come in handy over the Christmas season.
The Hyatt Credit Card seems perfect for a person who is always traveling. The introductory offer of a free two nights stay with the first $1,000 of purchases seems easily attainable but there really isn’t much to offer after that point. Hyatt hotels aren’t hard to find but the fact that it’s specific to just that chain could be a little cumbersome. The points system they have in place to earn you more days seems a little arbitrary and unnecessary. For the traveling man/woman I would consider the Capital One Venture Card or even an American Express Premium Rewards Gold Card if you can get your hands on one. These two cards can probably give you a lower APR if you have qualifying credit. If you are a regular Hyatt customer, the Hyatt card is worth a look.
As a business owner, the Sunoco Gas Card grabs my attention. I have a habit of paying off company credit cards monthly and with the passenger vans we utilize, I could easily see us using almost 6,000 gallons a month. I am currently using a Mobil Gas Credit Card that charges 24.99% and am only offered 6 cents off the first one hundred gallons a month. Sunoco gives me the immediate savings I’m looking at the cost of paying basically upfront. Another feature that sticks out to me is that if I am out of a Sunoco area, I can use my card almost anywhere. If you have more than 5 vehicles then I would think that Sunoco is worth looking at.
I was able to acquire my first car loan with EarthMover. I was very pleased with how simple and fast the whole process was for me. I was able to get the low rate of 4.9% for 5 years. There were two occasions where I wasn’t able to make my monthly payment towards the end of the term and my representative was more than accommodating with me. I have since paid off that loan and opened up a few CDs for my children that I check up on every year or so. My experience with them has been wonderful and I’m sure know I where to head to the next time I need a car loan or personal loan.
I picked up my Target RED card about 2 years ago and I’ve used it the most for my household needs. With this card, I not only support my daughter’s school but I also get 5% off any purchase I make with it. This alone comes in handy around the holiday season when most of my larger purchases are made. If I have any complaints it’s that making payments on the website are a hassle for me because sometimes it won’t post and it seems like I’ve skipped a payment. The customer service on this issue is always a big help and instead, I just pay directly from my bank account or pay in store whenever I remember.
Progressive really was simple and easy to use for me. I was trying to refinance my vehicle when I realized that my insurance was up shortly. I decided to shop around and look for a better rate. I will admit that Progressive wasn’t the first place I went to but when I finally came around, I was satisfied with the tools and information I received. I was able to get a quote on the spot and be covered immediately all while sitting comfortably in my living room. I saved even more money by paying in full and I plan on adding another vehicle to my policy in a couple of months.
I was recently approved for the Amazon.com Chase Visa and I have been pleased with the experience. I like that my account automatically links with my Chase checking account so there is no need to register and login onto another website. Since I do a lot of shopping on Amazon.com, the rewards program has really come in handy as I have already accumulated over $100 in points. I have started using this card as my primary to get more points and have some extra spending money for online shopping. My credit limit is reasonable and so is the APR. With no annual fee, I give nothing but praise with this one.
I opened up a Fifth Third account just 4 months ago because of a promotion they were running. It has turned out to be a great way to save money and set goals for how much money I want to put aside. I have a portion of my check deposited into that account and only use my check card in case of emergencies. The mobile app was unfavorable at first because it would just redirect you to the mobile website which I thought was a waste of time. Recently, that app has had and update and is now fully functional but still has a way to go before being as versatile as the Chase app. I must say that the branch that I dealt with has some of the best customer service that I have ever encountered.
I’ve had my American Express for over 4 months now and it has given me everything I could expect from this company. It’s accepted anywhere I go. The customer service is some of the best I’ve ever had to deal with. I am enrolled in their points program which really rack up if I exclusively use this card. So far, I’ve mainly used this as my business card which helps me track my expenses and manage my payments monthly. Another perk is that was unexpected is that I am offered opportunities to purchase tickets to events or concerts before they go on sale to the public. This summer is going to be very busy for me.
PNC has been a very reliable bank for me. I have had a checking account with them for about 3 years. Since it is my secondary account, I mainly use it for paying bills or keeping extra spending money. I don’t really have a need to walk into a physical branch since I do everything electronically but I do wish that the mobile app or website were a little bit faster and easier to navigate. The few times that I did speak to a representative, they were courteous and were able to help me reverse some charges that were an error on their part. If you don’t balance your account regularly, keep in mind that some locations such as Target take a few days to post, like it has happened to me with Target.
I have used a few banks over the years but I’ve been the most satisfied with Chase. I opened an account around 3 years ago and it has been the most convenient bank ever. One of the things I like is that it’s not too hard to find a branch or ATM wherever I am at. They have one of the most user- friendly apps out there and although I don’t use the photo check deposit feature, it is nice to have that option. Once I was in a bind where I had lost my debit card and needed some cash to hold me over for a few days. I was able to transfer money from my account to my wife’s linked account. To anyone looking to try out a new bank, I highly recommend Chase. The service they provide is the best around.
I absolutely love this card. As someone with limited credit history, this was a great way to get some positive feedback on my credit report. For my particular offer, I was given 0% APR for 6 months and a $39 annual fee. I plan on using my card exclusively in the introductory period and pay everything off once that time is up. I used to be afraid to have credit cards before but now see that it is necessary to prove to lenders that you can be trusted. I have big plans in the near future with purchasing a new car and renovating my home and I believe that this card can help me achieve my goals. I am planning to ordering a new card with a custom image.