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A good friend of the family recommended me Farmers home insurance because it was affordable, and it provided more coverage than I previously had. I liked the customer service experience when signing up, both professionally and friendly. There was no hassle when doing a claim for accidental damage to my property during a storm. I called, they sent an estimator within two days, and sent a check within a week. My deductible was not affected, and I did not have to worry. I like that I can pay my installments online, and my total payment actually decreases from year to year. I would recommend doing business with Farmers, as they have proven to be reliable for some years, and their prices are not bad at all!
I opened my Great Western bank savings account last year when I moved to midtown Omaha (about two blocks from the branch). The staff was really friendly, and I just wanted to open a basic savings account to direct deposit some of my bi-weekly check into it. I opened it with $50, and it is fantastic that there are no monthly fees like other banks have (or make you bundle with a checking account). I find it convenient that I have access to my savings, and can check the balance from my computer. The application process was easy to do, and all my questions were answered in a satisfactory manner. I like that I earn interest quarterly, and if I can also transfer money to other accounts if needed.
One of my close friends recommended Lisa, and her insurance services after he was in a car accident, and received outstanding service. I decided to visit her office, and get a quote for car insurance. The quote was ready the same day, and to my surprise it provided additional features, and full coverage for less of a premium than I was currently paying. I decided to sign up, and I never regretted it. She is always friendly, and willing to explain details of my policy when I have any questions. Her explanations are always clear, and easy to understand. Lisa is a professional agent that likes her profession, and it shows. From what I have experienced, she is great asset to her company, and I recommend her to everyone.
It was a great experience to work with Kyle when applying for a mortgage loan for my first house. He was attentive to my financial questions and needs, and always put his best effort to provide quality service. I was confident that he supported me in every step of the way in getting the specific requirements for my loan (duration, interest rate, monthly payment amount, etc). Even when I had questions about insurance on my property, he redirected me to the right resources. He specified all the loan terms when I had questions, and gave me enough time to read all the contracts before signing. I believe he was very fair to me as a client, and I have recommended him to all my family and friends when getting a loan for their property.
The Union Plus Credit Card is a great offering thanks to the decent year long interest free introduction period, and 1.5% cash back perks on all purchases. This card has no annual fee compared to the $69 per year of my old U.S bank silver credit card. In addition, the regular interest rate is lower than most in its category (just 12% on average). If you have good credit rating or above, I would recommend you to get this card if you are a member of the institution. This card also comes with additional rewards such as job loss and disability grants.
The Slate From Chase offers great benefits such as a lower than average interest rate (as low as 120, and more than a year of free interest rate purchases (15 months). In addition, it comes with no annual fee, and $0 fraud liability as standard features. They even offer an additional charge for another user for free. A similar card like the Wells Fargo Platinum Credit Card offers less time interest free, and a higher regular rate. I feel that Chase offers a good value with the zero balance fee offer, and excellent customer service. Quite simply, this card offers attractive characteristics with low risk.
The Blue Cash Everyday Card from American Express is the perfect choice if you have excellent credit score because you'll enjoy a healthy initial bonus with your first purchases, but also because you get a long 15 month 0% APR introductory period for subsequent purchases. Besides getting the amazing, and effective American Express customer service, you get cash back, up to 3% of all your shopping at stores, or 2% on gas stations, all this with no annual fee to speak of. By contrast, the Chase Sapphire Preferred Card has a $95 annual fee after the first year, and less overall rewards. In other words, you can't go wrong with the blue cash everyday credit card.
My girlfriend loves Ann Taylor, and I feel it would be great to have the Ann Taylor credit card due to the nice discounts, and subsequent deals available for members. Given the initial 15% off the purchase when you sign up, and the later $20 gift card when you accumulate 2000 points. (5 points for each $1=) which is not a lot compared to the $10 reward for every 250 points. Overall, this is a card that you'll enjoy if you're a frequent buyer at the store, and there is no annual fee to speak of, by the way, just watch the high interest rate (24%) and avoid charges by paying on time your balance.
Express is one of my favorite stores for modern men clothing, and it made sense to get the Express Store Card. First of all, the application process was very easy. Second, you get many points for every $1 spent at the store. Those accumulate fast, and you get a $10 credit for every 2500 points. This offering is a lot better than the 5 points per dollar used by TJMaxx. for example. In addition, you receive a birthday gift for just being a card member. One of the minor inconvenience is the high interest rate (24.99%) that can be off putting to some, but as long as you are responsible and pay your balance on time, it won't affect you.
The Walmart Credit Card is a decent offering when it comes to store cards, but it lacks certain features that others provide as standard. The initial sign up bonus is ok, however, the cashback discount is low compared to Target's similar card. Target offers a 5% discount in all your purchases, every time, which is superior to the maximum 1% cashback if you spend more than 3,000 at Walmart. Walmart's card has a somewhat high interest rate. However, it does discount cents off when you use their gas stations, and there is no annual fee. It does come with zero fraud liability which is very helpful. Overall, it is a decent card if you are a frequent Walmart shopper, but it is missing important features that other retailers offer.
One of the only redeeming qualities of the IKEA Store Card is that it has no annual fee compared to the $69 Nebraska Furniture Mart card charges, however, it does not offer any amazing features or discounts for regular customers. The interest rate in on the high side, so if you choose to apply, I would recommend you to pay your balance promptly every month to avoid interest fees. As I previously mentioned, this card could benefit from rewarding regular shoppers with gift cards, exclusive store discounts, and loyalty programs to increase sales and overall card attractiveness. As is, this card offers almost no perks with high risk.
After reviewing the terms and offerings, I have to say that the Bluebird Prepaid Card by American Express is one of the best prepaid options in the market. For example, when you enroll in direct deposit through your work, you get access to thousand of ATM for free, which is a great feature. In addition, if you travel a lot like myself, the 'no foreign exchange fee' will be a godsend in many occasions. You also get a robust and professional customer service, and online banking tools (including a mobile app!). The feature that sold me was the purchase protection for up to 3 months after you buy a product and it gets damaged or stolen during that period, which is something that my U.S. Bank prepaid card did not offer!
One of the best points of the New York Giants Extra Points Credit Card is that if offers a healthy $100 cash back credit when you sign up and complete your first purchase. This initial bonus is similar to the one offered by the NFL Credit Card. In addition, as a Giants fan using this card I can take advantage of the 20% off discount when buying merchandise online at NFLShop.com. The extra points for every purchase, even at other establishments is a great, and convenient feature. You also get access to online banking services for paying your balance. In other words, this card is a solid choice for all your football and sport related expenses.
The Academy Credit Card offers a lot of perks from the moment you sign up such as the initial $15 off your purchase and it keeps giving you points for extended use. I also like the fact that you can use this card for in-store and online as well. The Cabela's Credit Card requires you to complete 5 purchases for a similar initial reward. In addition, you also get a $25 gift card for every 2500 points (5 points for every $1 spent in the store) which is very convenient. Overall, this card offers many features, a low interest rate, and low or non-existent annual fee for regular Academy customers with good credit score.
I like the Hobby Lobby Credit Card since I am a regular customer, and enjoy the perks it offers! I love the fraud protection in case the card gets lost, and that it offers travel accident insurance on top of it. I wish they would do away with the annual fee altogether, but it is a minor inconvenience. The interest rate is average, but if you pay your purchases on time, there won't be an issue. You also get 1000 points when you sign up, which is a helpful and attractive feature! You get points for every buck spend at the store, but also in purchases at other establishments. For every 2500 points you get a $25 gift card to shop at Hobby Lobby! This is about the same as the TJX store I have for T.J.Maxx.
The Citi Secured Credit Card is a great offer for those wanting to start building a great credit score. Compared to my U.S Bank credit card, this Citi card offers a lot more features, such as depositing an amount into a CD (Earning 1.01% annually.), and that amount becomes your card limit for your convenience. In addition, you can become an unsecured card holder after 18 months, to enjoy more freedom while spending. The regular interest rate is average, but it is tolerable. The annual fee is very low, and you have $0 liability for charges you did not authorize, in addition to Citi identity theft protections. Plus, when you rent a vehicle, you can be covered in case of an accident just by using this card!
The Citi Platinum Select / AAdvantage World MasterCard Credit Card for those who want more freedom, and exciting perks and rewards. Compared to the United Mileage Plus credit card, this one offers a lot more miles to start with, such as the 30k miles in the beginning. It also helps that they wave the first year of annual fees, and you earn 10% of your already redeemed miles, up to 10,000 a year. You always get your first bag checked in for free, and the interest rate is not too high. You also get discounts with several purchases, and with each membership renewal. I would recommend this card to frequent travelers!
I have been a US Bank customer for 7 years now, and I am really impressed with their unbeatable customer service. I have the US Bank Visa Platinum Credit Card, and I find it really convenient, and it helps build a good credit score. I really liked the introductory 0% interest rate for more than a year, and the non-existent annual fee. I also love the $0 fraud liability because you can't never be too careful when shopping online, for example. Another great thing about this card is that I get alerts for suspicious activity in my card, and I can pay it anytime online. For all these reasons, I will continue to use this card.
I fly often, and the Southwest Airlines Rapid Rewards Plus Business Credit Card provides excellent features and perks. I like that this card has a low interest rate compared to similar offerings. However, this card does have an annual fee, which could be an inconvenience to some. One of the main benefits is that your bags are free when you are a member, a reward that the United Mileage Plus does not have. I love that your points do not expire and you can also use them for car rentals and hotel stays. The initial bonus points are perfect to start savings, and there is no limit to how many points you can earn.
I'm always on the lookout for new offers and discounts for my favorites stores. Among those are TJ Maxx and Marshalls. The TJX Credit Card is perfect for my needs because it allows me to buy brand name clothing with deep discounts, and rewards me for being a loyal customer. I like the initial discount, and that I can also use the card at other locations including home improvement stores. There is no annual fee, and although the interest rate is high, I always pay my bill on time to avoid extra fees. One of the most attractive features is that you get a $10 gift card for about $200 spent, which really comes in handy for the upcoming gift season. Overall, I would recommend this card for frequent customers of the mentioned establishments.
The Choice credit card offer great perks and rewards just for using it. I travel frequently on business, and Choice hotels are some of my favorites. I like that it comes with initial attractive bonus options. The regular interest rate is average, about the same as other hospitality credit cards such as the Hilton Credit Card. It is awesome that there is no annual fee, plus they reward points for purchases at other establishments. It takes about 8,000 for a free night, which is great for card members who stay at Choice Privileges locations. In short, this card has a great balance of useful features, and decent rates, and incentives that will make card holders happy.
My wife is an avid buyer and fan of Bed, Bath and Beyond. I really love that this card has no annual fee. I like all the rewards that come with it, such as the 5% back, but also you can 1% back in all other purchases at other establishments. Other useful features are the for every thousand points in rewards, they send you a $10 gift card, plus you get an equal gift card when you sign up for it. Another great incentive is 25% off from $100 when you get your card in the mail. Compared to my TJ Maxx card which does not accumulate points or offer gift cards when reaching milestones, the Bed Bath & Beyond Credit Card is ideal for my needs!
I am actually very interested in the Continental Airlines OnePass Plus Credit Card since I fly with Continental often. I really like that this card comes with rewards and perks such as the checking your first bag free, and the priority boarding on Continental and United flights. The initial bonus miles are definitely a nice feature. I also like that the miles don't expire compared to the United MileagePlus card where they do expire if you are not longer a member, and there is no limit to how many you can earn. Another convincing feature is that you don't pay annual fee the first year. I will definitely look into applying for the OnePass Plus credit card from Continental Airlines.
I like that the Colorado State University Visa® Platinum Credit Card has lower interest rates than other cards with the same "excellent" and "good" score rating requirements. I also really love that it has a higher amount limit than average (my First National bank credit card only had a $10,000 limit with excellent credit). It is very nice that it comes with fraud protection as standard feature, ideal for people who do most of their shopping online, so they are protected when malicious people charge things in their name. Overall, I think this card is balanced, and it has attractive features, however, I wish it came with a 0% introductory rate for at least 12 months, and also have some rewards system set up for cash back purchases.
I just moved to Bellevue, NE, and a local branch is close to my home, which means it is very convenient to drop by for any transactions on my way to, and from work. The application process was extremely quick and easy. The executives took the time to answer my questions and explain everything in simple terms for better understanding. I was pleasantly surprised that there were almost no fees for my checking account, and that I could withdraw money from any ATM for free as they reimburse the fees back into my account. I always thought credit unions were more technological behind for some reason, but as I see this is not the case at all, because their website is easy to use and navigate, also has many features other banks don't have such as transferring money to individuals with no cost, online deposits, and more. I am really happy that I signed up for my checking account at SAC Federal Credit Union.
I've had the JCPenney card for about six months, and so far it has been great saving me money, and allowing me to pay the balance at my convenience. I like that I get discounts and points whenever I shop at the store. I have been renovating my wardrobe with summer clothing, and this card allows me to spend money knowing I am getting something back. Another great thing is that I can also use it on Sephora (Fragrance shop inside JCPenney) in-store and online, so that I can try and buy my favorite colognes. Overall, I want to say that the application process took a few minutes and was easy to do. I also like the fact that there are several locations in my city to pay my balance when I shop, or I can also do it online. I pay it before it is due to avoid incurring interest fees, and I really recommend everyone to get a card from JCPenney if you are a regular customer like myself, as the savings are great and very convenient!
I became interested in U.P. Connection Federal Credit Union after I noticed their branch office really close to my home. I was trying to find a closer place for my money so I could stop by on my way to, or from work. I opened a savings account there and have been using that account to deposit at least once a month as a retirement account. Even though it is a small credit union I feel I can trust them, and the online easy access makes it easy to check my balance or transfer my money If I need to. I highly recommend their financial products as their application process is fast, simple, and they offer amazing customer service!
I just want to say that having the Kohl's store card has been amazing so far! I really enjoy going to the store and trying on clothing that I know I can get a discount for, and return without hassles if needed. I found out about this card one time when I was shopping at Kohls and it really caught my attention that card members enjoyed special extra sales days plus discounts all year around. In addition to that, I don't even have to keep receipts anymore for anything I buy at the store since they can find and use my card to process returns and exchanges. I could not be happier with my Kohl's store card and I am recommending all my family and friends to get one!
The Omaha Federal Credit Union has been great to me and my savings. They offer great rates and are always willing to help me in any way they can. This organization was recommended to me through a friend of the family who had been a member for several years. I was impressed with their quality service, and quite simply, it is the best place to put your savings. I have an office close to my house in Downtown, Omaha, and there are at least other 4 locations throughout the city which makes it very convenient if I need help. Another good thing is that I have a lot of services online from balance checking, to bill pay, that is free and super easy to use. In addition to that, I can stop by at any Walgreen's pharmacy for example, and withdraw money without charge from the ATM in those locations, which if you think about it means that there is a lot of options and places to do it. To put it simply, the Omaha Federal Credit Union is an excellent option for those like myself who want the convenience, great service, and quality. products.
I really enjoy being a customer at Target using the RED Target credit card. The application process was simple (License) and fast, approval within 3 minutes. I was given a receipt (temporary card) that I could even use for that same purchase when applying. It gives me an extra 5% on all my products every time I shop, not just the first time. In addition to that, I can use it along my other offers and coupons which makes it even more attractive. I can even use it on clearance items! As a bonus I use my Target RED card online to buy products with free shipping, and I also get the discount online, and I can return any item at any Target store without having to ship it back. Overall, I recommend this card to every friend and family member due to the amazing savings, and easiness of use.
I want to say that Centris is part of my life due to the outstanding customer service and amazing, and flexible banking options available to me. I receive my direct deposit from my two jobs in my checking account. I also can withdraw money from any ATM and they reimburse my fees. Opening an account was a breeze, and the representatives are always friendly and do not hesitate to explain all the terms and conditions. I use Centris because other banks charge a lot of hidden overdraft, check fees, etc, and I was tired of that. I am more than happy to recommend Centris Credit Union to all my friends and family for all their banking needs.
I have been with U.S. Bank for a few years when I arrived in Omaha, Nebraska, and they had a special back then giving $75 when opening a checking account. In fact, when I opened my account they gave me a checking account AND a savings account. I found this really convenient because it gave me the opportunity to start saving and putting aside money for the future. The customer service was unparalleled; Juan, my usual Spanish speaking representative has helped me in many occasions with any questions about transfers, overdraft fees, etc. All of my checks have been free, and I have had nothing but the best service with U.S. Bank. I have recommended the bank to many people and all of my core family now has a bank account with them.
I have been with Progressive Car insurance since 2005. I have renewed every year after that because Progressive has been amazing with their customer support and they have resolved every issue in a prompt, and friendly manner every time I have contacted them. Also, my insurance premium has been reduced at least 5 out of 6 times, by at least 10% and I appreciate it, given that I've been out of a job twice since 2008. Progressive's staff is very helpful and humane, and all the times I have called I did not have to wait more than a couple minutes to speak to a human being instead of a computerized voice/recording. Every statement I've received from the company has been very detailed and on time, plus I have the option to receive everything online and pay as well, which is very convenient and easy to do.