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The Tire Kingdom Store Card is a credit card you'll use for one purchase, and that's it. They offer a $50 Visa Gift Card on a purchase of over $400, and a $25 gift card on purchases over $200. Being a store card you can't use it anywhere else either. That said, the main benefit would be if you cannot afford your purchase. They offer interest free financing between 6 and 12 months if your purchase is above $800 or $200 respectively. They do have minimum payments though, so it is also something to consider. But chances are if you are shopping at Tire Kingdom you won't find a better interest free deal anywhere else.
I would not recommend the American Express Green Card for several reasons. The main benefit you get with this card is 2% back on travel and 1% on everything else, but the card comes with a $95 annual fee. For comparison, the Capital One Venture card has a much lower annual fee an 2% back on everything. Plus, this card must be paid off in full every single month. Now while I've never paid a finance charge in my life, it's something to keep in mind if you ever need to use it as a credit card. The subpar benefits combined with a steep annual fee cannot let me recommend it to anyone when there are better alternatives out there.
The Gap Credit Card is one of the better store cards out there believe it or not. Typically you see these cards top out at 5% back by using their card such as with Target RED or Lowes. The Gap has the same deal, but they offer additional bonuses such as 15% off your first purchase, 10% off every Tuesday, and birthday rewards. It's not a card that you want to use for other purchases, but they do give you 1% back which is pretty standard. Like most store cards, ideal if you shop their a lot but don't use it elsewhere unless you have to. The additional coupons and sales make this one of the better store cards out there.
If you are a home owner the Lowes Store Card is a no brainer. You have the option of getting 5% back on every purchase you make, or 6 months of interest free financing on purchases over $300. It is the best of both types of store cards. Most cards give you one or the other benefit, but Lowes gives you both. 5% is where store cards typically top out at, with popular examples such as the Target Red card having similar rewards. There is no reason to use a competing card at Lowes with the 5% cash back they offer by simply using the card.
The Chase Sapphire Card is a nice card to have in your wallet for your every day purchases. Where this card shines is the 2% you get back on travel, dining and restaurants and the 1% you get back on every other purchase. On top of that you will receive a 7% bonus on all points you earn at the end of the year, even points you redeemed already. There are also a significant introductory bonus of $400 in rewards when you meet spending requirements. if you don't mind getting your bonus points at the end of the year you might want to consider this card.
The Guitar Center Credit Card is pretty decent if you are looking to make a big purchase at Guitar Center and don't have the resources to pay it off immediately. By default this card offers 6 months of interest free financing on any purchase in the store, and 12 months of interest free financing on Roland or Boss products. Just keep in mind that this card has no rewards program at all, so if you can pay off your purchase immediately you are better off using a rewards credit card and getting at least 1% back. It's great that they have these financing options, as it makes big purchases there a little more appealing.
The American Express Gold Card is similar to other credit cards like the Visa Black card. It has a huge annual fee for those with excellent credit, where the only reason to have it is if you can really take advantage of the benefits it offer which usually go along with a high class lifestyle. Things like hotel credits when you stay at Gold Crown hotels, baggage insurance plans, and other travel benefits. I personally think your better off getting a travel specific card if you travel a lot to maximize your cash back or avoid foreign transaction fees. With this card's 2.7% foreign transaction fee you are better off using the Capital One Venture Card.
The UPside Prepaid Debit Card is not the best option if you are looking for a prepaid card. There are tons of fees that other cards like American Express Server or Walmarts Bleubird card don't have as long as you have a direct deposit set up. The Upside Prepaid Debit card has fees such as $2 for live customer support, $1 for automated support, $2 for ATM use, and $1 to $5 per month depending on how much you load to it each month. Definitely avoid this card and go with any of the others I mentioned above if you have direct deposit, they have far less fees.
The main benefit you are going to see with the Apple Credit Card is if you are planning on making a big Apple computer purchase and can't pay it off right away. Purchases between $500-$1000 are 12 month interest free if paid in full, and purchases $1,000 and over are 18 months interest free if you pay it off before 18 months. That's it. No rewards, no other benefits. Use this card if you need to get a laptop for school and need time paying it off, but don't use it for ever day purchases. You are better off getting a Chase Sapphire card for those.
The AAA Credit Card has some nice benefits to a regular credit card. If you are planning on doing any travel, the 3% you get back can be very nice. They also offer 2% back on gas, grocery and drug store purchases. There are no limits to the amount of points you can earn either, which makes this much better than other cards that have a focus on travel. The 1% back on every day purchases means you might not want to use this as your every day card, so consider using something else such as Chase Sapphire or Capital One Venture that give you a little bit of a bonus on top of 1% on every day purchases with no annual fee.
The Capital One Cash Rewards for Newcomers is great if you are just that, a newcomer. The terms of the card's reward system are very basic. 2% back on travel, 1% on everything else. No annual fee either, and the same great reward options that Capital One is known for. The benefit of this card is the travel. With no foreign transaction fees you could really gain by using this card on any trip to another country. Some rewards are better than no rewards, and if you can get this card without having to resort to any of the secured credit cards out there you will be in good shape.
The BankAmericard Cash Rewards Card boasts about some pretty sweet rewards. 3% back in gas, 2% back on groceries, and 1% back on everything else. This seems very tempting, but the fine print says that you are limited in those bigger bonuses up to the first $1,500 spent in all categories every quarter. After that only 1% cash back applies. I personally spend $1,500 on my card each month, so for me I recommend the Capital One VentureOne card that gets 2% back on everything with no limits to what you can earn. This is only good if you don't spend that much money to reach the caps on rewards.
One thing to keep in mind with the Kroger 1-2-3 Rewards Credit Card is that you don't need the card to take advantage of the fuel rewards program that they offer. It's a standard part of simply using your Kroger card. Looking at just the reward points, you'll get 3% back when shopping at Kroger, 2% back at any of the stores owned by Kroger (King Soopers, Dillons Smith's, Fry's and QFC), and 1% back everywhere else. It's pretty good for a grocery card, but if you can get a better deal with another credit card just remember that the Fuel Rewards can also be redeemed with their standard store card which is not a credit card.
The Expedia Credit Card is pretty average. You would expect the rewards for shopping a Expedia to be much better, but you might get more cash back using a Chase Sapphire card during the quarter that they offer travel bonuses. The Expedia Credit Card only gives you 2% back on purchases at Expedia, and 1% back everywhere else. I would expect at least 5% back with a card geared towards using Expedia. Especially because my Capital One Venture card gives me more than 2% back when using their online portal with Expedia. Definitely not worth it, and check out your current credit cards online portals to see if you have any big Expedia bonuses as well.
There is nothing standard or platinum about the Capital One Standard Platinum card. While it is a card for those that have bad credit, there are no rewards associated with this card to make it worth looking at. On top of that, there is an annual fee of $19 after the first year. You might be better off getting a secured credit card that reports your payment activity to the main credit bureaus to build up your credit, as some are completely free if you have direct deposit set up. The only reason I can think of having this card is to avoid the stigma of using a prepaid card, as it looks like a normal credit card.
If you plan on making a big purchase at Staples, the Staples Store Card is a no brainer. It's reward system is simple, you get 5% back on all purchases at Staples every single day. This is great if you have a business which frequently visits staples, or even if you plan on making some big purchases like a computer, office furniture, or anything really. Typically store cards top out around 5%, and Staples is no different. Office supply is not a common category to get 5% back on with other credit cards, so the Staples Store Card is worth looking in to for sure.
I cannot recommend the Mango Prepaid Card because of all the fees associated with it. If you are not putting in at least $500 a month onto the card, you are going to get hit with a $5 monthly fee, $2 ATM fee, 50 cents every time you call customer support, and 50 cents each time you check your balance. On top of all that, there is a $10 cancellation fee. I would recommend going with american Express Serve over this card, especially if you have Direct Deposit set up. This is no reason to pay so many fees just to spend your own money from a prepaid card.
What I really don't like about the Marathon Credit Card is that it's tied to how much money you spend in a given month. For example, you'll save 50 cents per gallon which is huge, but only if you spend $1,000 a month on the card! That is a lot of money to be putting on a credit card, and I feel that some people might spend more than their rewards are worth simply to get to that level. Also consider that if you fill your car up once every two weeks, with 15 gallons of gas each time, you are only getting $15 in rewards per month. A credit card like the Venture card offers 2% back on every day purchases, so if you are spending $1,000 you get $20 back. Do the math to figure out if this card is right for you before signing up.
For a prepaid card the Kaiku Prepaid Card is surprisingly affordable. At only $1.95 a month they give you a lot of benefits. These include online bill pay, mobile deposits (taking a picture of your check with a phone), Direct Deposits, a $10,000 limit, and an ATM network of 55,000 ATMs! While I would normally recommend the American Express Serve card, that is only completely free if you have direct deposit. If you get paid by check you might really appreciate the convenience of being able to deposit your checks by phone and never have to go to a bank. You might save $1.95 in gas with that convenience alone.
The Cabela's Credit Card is essentially a mix of a store card and a regular credit card. The benefits for shopping at Cabela's can be quite confusing so I'll walk you through them. You get 2% on all purchases by default, but can get as much as 5% if you are a Club Visa member. Typically store cards top out at 5%, so this is very good. You also get 1% on your every day purchases which is also standard for store credit cards like this. While they do offer some small sign up bonuses, they are pretty lackluster and nothing to write about. A good card if you shop at Cabela's regularly though!
The Visa Open Sky Secured Credit Card is not your typical credit card, as it's designed for people to build up their credit rating by proving they can borrow money. Your credit limit is equal to the size of deposit you are willing to put down on the card, starting for as little as $200. This card has a lot of fees though, with $25 each time you want to raise or lower your credit limit and a $29 annual fee. There are other secured cards out there which have just an annual fee, and even offer you interest on your deposit to secure the card! I would avoid this card at all costs.
The Crate and Barrel Store Card is just overall not a good card to have. It's a store card, so you can only use it at Crate and Barrel for starters. They also don't offer any type of rewards for using it in store. Target's RED card offers 5% back on all purchases for example. Of course, Crate and Barrel is its own unique brand that caries its own unique products too. The only benefit to this card is their 6 month interest free financing, but it is only on $1,000 purchases. If you need some extra time paying off a big C&B purchase get this card, but otherwise stay away.
Now this is a rewards card I can get behind. The PenFed Platinum Rewards. The categories I spend the most money on is gas and groceries. This card offers 5% back on gasoline, 3% back on groceries, and 1% back on everything else. On top of all that they do not charge an annual fee. You could definitely use this card for your gas and your groceries, and use another credit card to get more than the standard 1% back everywhere else. For example, Capital One Venture offers 1.25% back on every day purchases. This is definitely a good card to have in your wallet, and if it offered more than 1% back on every day purchases I would give it 5 stars.
If you are a college student looking to build your credit, the Journey Student Rewards from Capital One is a really great option. For a card that has no annual fee and is offered to those that have bad credit, it comes with a pretty interesting rewards program. You get 1% back on all your purchases, with a 25% bonus every time you pay your bill on time. In the end it comes out to a 1.25% bonus, which is on par with what you see with their Venture card. This is a card that is not for everybody, but if your are a student just trying to build your credit I would definitely recommend this card.
The Blue from American Express Credit Card is definitely a card to have in your wallet. Some places only accept American Express like CostCo, and this card will allow you to take advantage of special American Express promotions like small business Saturday! The rewards are basic at only 1% back on everyday purchases, 2% on travel. But what is great about this American Express card is that is has no annual fee. It's not a card to use for your every day purchases, but at those places that only accept American Express you could be earning rewards that you otherwise couldn't get with cash.
The Citi Secured Credit Card is a secured credit card for those that have bad credit. If you are not familiar with how secured credit cards work, you place a deposit on the card that basically is the size of your credit limit. Secured cards usually come with annual fees, and this cards fees are reasonable at only $29 a year. On top of that, you do get MasterCard's standard fraud protection as well, which some secured cards do not offer. The main benefit of this card over other secured cards is that you do earn interest on your deposit.
Before you get the Case Ink Bold Business Card I would consider looking at where you make purchases for your business. While they offer as much as 5% back, it is only for the office supply category. The biggest downfall with this card is the $95 annual fee, which is very high for a business credit card. You will need to be purchasing a lot of office supplies simply to break even with the annual fee on this business credit card. On the plus side though, they offer a very nice sign up bonus worth $500 ($625 on travel), and combined with waiving the annual fee for the first year, could be worth it for the first 12 months.
The BankAmericard Travel Rewards Credit Card is great if you are a frequent traveler and actually spend your own money on travel. The way that this card shines is that they give you 1.5% back on every day purchases, and 3% on travel purchases with a cap of $6,000 worth of purchases. The downside is that you are limited towards a statement credit towards travel, not for cash back, gift cards, or other rewards that other programs offer. Other cards like Venture offer 1.25% back with no annual fee, but you can redeem for gift cards and spend the money however you want. Definitely consider this as your every day spending card if you do a lot of travel, if not then it might not be for you.
The L.L. Bean Credit card is similar to most store cards out there. They give you a standard 1% back on all your purchases made anywhere you shop, but the real bonus come from shopping in the store. You can get 3% back on all purchases made at LL bean with this card, plus special perks such as coupons and access to exclusive sales only eligible for card members. This card is worth it if you do a lot of shopping at L.L. Bean, but that would be the only place I'd recommend using the card. In comparison, L.L. Bean offers decent rewards, but other store cards offer typically around 5% like the Target RED card.
The rewards offered with the Valero Gas Card are really quite poor. You get 30 cents off a gallon for the first 30 months, but the fine print says it is limited to the first 100 gallons. If you do that math, that's only $30 worth of savings. For comparison sake, if you used a standard credit card that gave you 5% back on gas, and bought 100 gallons of gas at $4/gallon, you would get $20 back in rewards. So the rewards are good with this card while they last, but they don't last long at all. I would just recommend going with a regular credit card, or a different gas station that had a gas card with better rewards.
It's hard to judge how good the Marriott Credit Card is because of the variable cost of hotel rooms. The basics of the card are for 3% back spend at Marriott hotels, and 1% back spend everywhere else. For signing up and spending $1000 within the first three months, in total you'll receive 6 nights at a hotel for free. Since not all of us are frequent travelers this might not be the card for you. That's because there are additional perks such as earning your way towards Marriott Elite status, which gives you benefits such as late checkout and free internet access in select hotels. If you frequently stay at Marriott hotels you might want to consider giving this card a go.
The Wells Fargo Secured Card is not your typical credit card. It's designed for people with bad credit that are looking to build it up. The way it works is that your credit limit is determined by the size of deposit you put into it, that way they know you're good for any money you charge to the card. The nice thing about this card is that you do actually get some perks that you would get with a normal Visa card, such as all of the travel benefits like the auto damage collision waiver. While it does come with an annual fee, it's relatively small compared to other secured cards which will often add a monthly fee on top of an annual fee too.
For a store card, the Ann Taylor Loft Credit Card does a lot of things right. Similar to other store cards like the Target RED card, they give you 5% back on all your purchases made in store or online with 1% back on every day purchases elsewhere. It's enough of a bonus to really make this card worth it if you frequently shop at Ann Taylor Loft. On top of that, the sign up bonus is pretty good with 15% off your first purchase, and they do give you some bonuses on your birthday as well such as coupons for $15 off. Consider this card if you are a frequent shopper, but avoid using it for your every day purchases elsewhere.
I can only recommend the GM Credit Card if you plan on purchasing a brand new GM car at some point down the road. If not, then you are essentially using this credit card for nothing. GM will give you 5% back on every purchase you make as long as it goes toward buying a brand new GM car. With that being the only benefit this card has, you have to be 100% certain that you see yourself buying a GM car in the future. This card could be perfect if you run a business and do a lot of transactions and will use the rewards to eventually buy a company car, so I cannot discount it because of reasons like that.
There is nothing really special about the Walmart Prepaid Card that I would recommend it over other cards like the American Express Serve card. These are mainly for people to have a way to spend money from a direct deposit, but this card has enough fees that I cannot recommend it. Including $2 ATM fees at non MoneyPass ATMs, and a $3 monthly fee if you don't meet the minimum requirement for your direct deposit. There are better cards out there that don't have so many fees and offer an identical service with other benefits such as fraud protection. Stay away from the Walmart Prepaid Card.
As with any gas card, the purpose of the BP Credit Card is that they want you to refuel at their gas stations as much as possible. It can be very tricky to break down how the rewards work exactly and if a regular credit card is better. The typical reward for this card is 15 cents off per gallon when you spend $100 at any BP, with a cap of 20 gallons of gas. That means you are essentially getting 3% back by using BP, which is pretty decent. The other reward of earning 5 cents per gallon when you use your card elsewhere is equal to 1% cash back. So if you have another credit card that saves you more than 3% at the pump, that might be a better way to go if you want to save money on gas.
The City Forward card has some nice benefits if you spend your money in fun entertainment categories such as books, music and movies. Those categories earn 5% back, as opposed to 1% back on everyday purchases at other stores. The cool thing about the City Forward card though is that they have a very nice sign up bonus. By spending $650 in the first three months they will give you $100 in gift cards! Keep in mind that you will also need to sign up for paperless statements or else you won't get the gift card bonus. Overall it's a good credit card to have in your wallet for spending on the fun things in life.
Like most store cards, the Lord & Taylor Store Card has some limited perks that are designed to suck you in with their first time purchase benefits. If you sign up for a Lord & Taylor Store Card they will give you 15% off your initial purchase, weather that's in store or online. If you manage to spend more than $1,500 in a year they will upgrade you to the Black card which gives you some additional perks, so that is something to consider. Just keep in mind that you can only use this card at a Lord & Taylor store, so you can't build up that $1,500 at other retailers.
Most of us will never be able to apply for the American Express Platinum Card, as it is with people with superior credit and a lot of money to spend. On paper it might seem crazy, with a $450 annual fee and needing to pay your balance in full every month, but the true benefit with this card is no credit limit. I would assume that if you need to have a credit card with no credit limit, then you can afford the $450 annual fee which they are asking for. This card ranks up there with the Visa Black card as a credit card only rich folks can afford to have in their wallet
The Priceline Credit Card is really great if you use the popular website to book your online travel. That's because they offer a whopping 5% back on all purchases you make through Priceline.com. For comparison, my Chase Sapphire card get 5% back on travel sometimes, but it has to be a quarterly bonus that I activate, and hope that I am booking travel during that time. If you are planning a big trip such as a family vacation or honeymoon, consider getting the Priceline card to save 5% on your entire purchase. With no annual fee and the standard 1% back on all your every day purchases, it can still be a card worth having in your wallet.