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My family has maintained a savings account for me at Oak Valley Community Bank since I was born. Even though it is a small account that does not see much activity, I am not charged with a monthly or even yearly fee for the maintenance of my account. Oak Valley really has a small town appeal that is easy to see and makes me want to continue banking with them. Their tellers and representatives are always respectful and genuinely interested in my life. I will continue to maintain an account at Oak Valley for as long as I live in the immediate area.
I’ve had a Wells Fargo checking account before and had little to no problems. The account itself was actually very nice to have, and the availability of Wells Fargo allowed me to conveniently deposit and withdraw accounts. However, I had a couple of bad experiences with when payments were actually taken from my account; for instance, more than once, a check was taken out before my paycheck was put in (on the same day) so that I would get an overdraft even if I did have the money. Because of that I have to give it four stars, but everything other than this was pleasant and easy.
My family has used Farmer’s insurance for our home for more than 10 years. As I have become more involved with insurance dealings and information for my family, it has become clear to me that Farmer’s is a quality company with good people looking out for you. The claims process and customer service that I have been provided was nothing short of pleasant; there isn’t anything I could ask for them to improve. Farmers actually treats our family like human beings when dealing with our insurance. It would take quite a lot to convert me over to some other home insurance agency.
For the five years that I have had AAA, I have had little to no problems. The claims process is a lot smoother than I thought that it would be. All agents and customers service people that I have talked with have been courteous, understanding of my situation, and happy to help. Although AAA is a smaller insurance company comparatively, they have never done me wrong. I would say that there car insurance program is comprehensive and easy to understand. This is the only policy I have with them, so I can’t really comment on any of their other programs.
This savings account has served me well for over 15 years. The interest rate on it is fair, and Union Bank has been an amazing company to cooperate with. I have had no problems with my account in regard to customer service. There are little to no fees for keeping my savings account, which is one of the best things about it. It is also very easy to manage the savings account online, including transferring money in between accounts, such as to and from a checking account. If I had to do it all over again, I would choose Union Bank everytime.
The Ink Bold Business Card is really only worth it if you’re able to spend a huge amount of money. Spending $5,000 in the first three months awards you with a substantial amount of cash back, but that’s a huge amount of money to spend! Maybe these rewards can be feasible if you’re making a big purchase, otherwise you may want to avoid this one altogether! The lack of an annual fee is pretty nice, and there is a pretty nice spending limit. However, like I said you have to spend an absurd amount of money for this card to be worth it.
While it may get a bad rap, the Valero Gas Card is pretty fair in its rewards. It states clearly that the card only provides gas rebates for 30 months, which is 2 and a half years, which is more than enough time to get good mileage out of the card. The 30 cent per gallon coupon is also good for 100 gallons a month, which it is pretty difficult to get through every month unless you travel a lot! I would say to give this card a chance, even though the interest rate for it is a bit high.
The American Express Green Card offers a great rewards program for those with the appropriate credit. This card has extensive online options for keeping track of finances and managing your card, which is a great feature that can be useful to almost anyone. It is also nice that there is no annual fee for the first year, and that reward points are earned for every dollar that you spend with the card! The card also has no preset spending limit, which is nice for making larger purchases. A 24/7 emergency hotline for assistance rounds out this balanced, beneficial rewards card.
If you’re worried about making payments on time or taking a hit to your credit score, consider the KAIKU Visa Prepaid Card! This card is a great prepaid option, with relatively no downside. Almost every service associated with the card is free, save a $1.95 monthly service charge, which is extremely low given the benefits of the card. The limit of $10,000 on the KAIKU is also really high for a prepaid card. For those careful with their money that don’t want to deal with the prospect of climbing interest rates, the KAIKU should be heavily weighted and considered as a prepaid option!
The Staples Store Card is a fairly standard store credit card that could be relatively beneficial to individuals or business that spend frequently on office supplies. The standard, flat rate of 5% cash back is a pretty nice reward. However, this comes at a big price, as there is a 28% interest rate that cannot be changed. This card is pretty nice though, since it can be linked to a Staples Rewards program pretty easily, so that even more benefits can be earned! The online statements and account management is rare for a store card and a very nice feature.
The Journey Student Rewards from Capital One is an interesting proposition for college students on a tight budget. The rewards program offers a 25% bonus rewards each month that your bill is paid on time, which is a great incentive and a good way for a student to become accustomed to being timely with payments. The interest rate is pretty high at 19.8%, but this is expected on a student card, since credit will be fairly limited in these cases. The 1% cash back may seem really low, but it can be worth it just to build your credit effectively!
The Tire Kingdom Store Card could be worth it if you have a big purchase coming up from the company! The $50 initial card bonus is pretty nice, and it’s great that you can avoid interest on all purchases if paid within a certain amount of months! This comes at a big gamble, however, because when you do have to pay interest it’s a whopping 29%, which is absolutely huge! If you can afford to take a huge hit if you can’t pay off your purchases on time, then consider this card, otherwise stay away from this huge interest rate.
The Crate and Barrel Store Card doesn’t really seem to be a good choice as a store card. There is no rewards program associated with the card which is a bit of a travesty, aside from the fact that you can earn $10 back for every $200 that you spend. However, this comes with an absurdly high 27% interest rate, which is just awful for a store rewards card. Balance transfers and cash advances are also not possible. I would avoid this card like the plague, unless you’re really, really, desperate for an extra 5% back at Crate and Barrel, although you’ll lose that with the huge interest rate.
The Cabela’s Credit Card is a relatively fair store card with some benefits. The initial bonus of up to $35 at sign up is pretty nice, as is the points earn on Cabela gear. The 9.99% possible interest rate on the card is also great; this is a lot lower than other comparable store cards on the market. The fact that there is no annual fee is also a minor plus. In short, if you can get enough use and mileage at Cabela’s, then this card may be worth it, otherwise it is just another store card that may just sit at the back of your wallet.
The Blue credit card from American Express is worth it, although you have to have great credit to have it. The best thing about this card is the 15 month, 0 percent interest introductory rate; this is an abnormally long intro rate for a rewards card which makes it a great deal. The rewards program is also very beneficial, especially for someone that travels a lot; the 10,000 points initial bonus is a great start that offers incentive to the credit card user, and there are a fair amount of options that points can be used on. Try this card if you have the credit for it!
The L.L Bean Credit Card is a fairly basic store rewards card that doesn’t really stand out in any way. The 1% base rewards back with a potential to earn 3% is pretty standard for a store card and may be useful if the owner frequently goes to L.L. Bean. The interest rate is also a bit lower compared to other store cards, so that is a great benefit of this one. This card also entitles you to a lot of coupons, perfect for someone looking for good deals or bargains! All in all, this card is worth a shot if you go here a lot.
The Open Sky Secured Credit Card is a nice option for the lower income individual that needs help establishing credit. The card seems to be pretty fair, although the initial deposit of $200 is kind of high. The credit line for the Open Sky is pretty flexible, as options are offered if an increased credit line is needed in event of an accident. Something especially helpful about this card is that interest can be avoided entirely if the balance is paid on time every month; this is a great benefit, especially if you’re on a tight budget. If you need a credit line consider this card!
The Expedia Credit Card is perfect for someone who is always on the go! The rewards program is pretty great, especially the initial $50 credit; however, you really need to be able to use it frequently in order to fully take advantage of the rewards program. If you frequently use Expedia for hotel or flights, this can save you some serious cash on things you would normally spend on! However, I wouldn’t recommend using the card for anything other than the site, as the interest rate is pretty mediocre if not high for this type of card and there is no introductory rate offered.
The Marathon Credit Card appears to be a fair rewards based card for gas purchases. The rewards program is pretty fair and can earn the user some pretty nice benefits on gas fillups- perfect for someone that’s constantly on the go! The fifty cents off the initial fillup is especially beneficial. However, the regular interest rate on this card is relatively high, although this is pretty normal for this type of card. All in all, I would consider investing in the Marathon Credit Card if I was a frequent user of Marathon, in order to get the most out of the benefits of the card.
If you are an AT&T user, the AT&T Credit Card can be a great investment. This is one of the best company credit cards I’ve seen; the rewards program seems really great, and you can save up to 10% on AT&T services; those savings can add up fast for your phone, TV, and internet bills if you have these grouped altogether! However, the interest rate is mediocre, although there is a 0% rate for balance transfers for the first year. Because of the great rewards program, I would recommend this credit card for any AT&T user that wants to save!
If you’re a shoe addict, then the Zappos card may be the ideal niche credit card for you! Most website credit cards are pretty standard, and this one is no exception; a mediocre interest rate without an intro rate is the norm for this type of credit card. However, it does have a nice rewards program, including a $25 bonus on Zappos when you sign up. If you are using Zappos.com a lot anyway, then this card is a profitable way to build your credit and earn back rewards toward more shoes. If you aren’t a frequent shopper, however, I would just probably stay away.
A Bluebird Prepaid Card is a pretty handy card to have if you have an extended network of Bluebird users. The great thing about this card is how easily you can transfer money to others that also have a Bluebird card; if you have any family or friends it is great to do simple, quick transactions. Other than that, it’s a pretty standard prepaid card that can be used almost anywhere, although American Express isn’t as widely accepted as Visa or Mastercard. If you need a quick and easy way to use a debit card, this is a simple solution.
The Citi Secured MasterCard credit card is a great stepping stone for improving your credit if you have bad credit or if you have limited credit history. Essentially, this card allows you to deposit a particular amount of money, which then becomes your credit limit for 18 months. If you perform well in those months, you can upgrade to another card with a higher credit limit! This is a great way to start building your credit with a card that has almost no interest rate. I would highly recommend this card to start improving your credit score so that you can move on to higher limits.
As far as company credit cards go, the Amway Global Credit Card is a fairly good deal. Compared to other companies, Amway’s card offer a relatively fair rewards program and a great introductory interest rate offer. Even after zero interest for a year, the regular rate for the card only increases to a base of 12.99%. This card could really be worth it (especially for the first year) if you use Amway a lot. Even if you don’t the zero interest for the first year could be very useful to you! The credit restrictions are not high on this one, so apply if you can!
The J.P Morgan Credit Card is a great deal that you should jump on if you can get it! This card is well-known for its great points rewards program, which can be redeemed for a variety of products and savings. This program is especially good if you are a frequent traveler, as points are doubled for travel purchases. Even better about this card is the regular interest rate of 13.24%, which is extremely low for a large bank to offer for such a great rewards program! If you have the credit for it, I would highly recommend trying this card out.
The TJX credit card may be a useful investment for some people, but could greatly hurt others. This card has a rewards program that can be redeemed at TJ Maxx, HomeGoods, and Marshalls, which is great if you go to these places a lot. However, these rewards come with a 26.99% interest rate on all purchases, an extremely high rate compared to other chain stores that offer a credit card. This rate is simply too high to make up for the rewards program that the card offers. Unless you go to all of these three stores frequently and really need the benefits of the rewards program, you might find this card a waste of your money and time.
The Chevron and Texaco credit card may be a useful investment if you use these stations often and exclusively. Cardholders can earn up to twenty cents off a gallon with this card, which is quite a lot! A $0.20 reward is one of the highest on the market for a gas card. However, using this card does require dealing with the simply enormous 26.99% interest rate, and the lack of an introductory period of rate makes this even more unforgivable. It simply doesn’t make sense for someone that doesn’t use these gas stations a lot, because they will end up spending more in interest than they could potentially save! I’d recommend that you don’t fall for this trick.
If you love traveling the world, you may want to consider getting a Carnival Credit Card! This card has a great rewards program for using on Carnival cruise lines, including 5,000 initial points and double points earned on any purchase through Carnival. This card is awesome because of it’s year-long intro rate, which is followed by a regular rate that is fairly low in comparison to other cards with rewards programs centered around a particular service. I would highly recommend this card if you use the services of Carnival often; however, don’t bother if you don’t, because reward points are only good for cruises!
As far as gas based reward credit cards go, you may want to stay away from the HESS Credit Card. While the card does discuss rebates of up to $400, keep in mind that this is only for the first 60 days that your card is open; after the 10% intro period, you will only earn rewards at a 1-3% rate! Another things that may get overlooked is the lack of an introductory interest rate, and the relatively high 19.24% standard rate! This high rate pretty much negates the cash back you’ll be earning when you make purchases. Be a smart buyer and stay away!
The PenFed Platinum Rewards credit card is a great offer that you shouldn’t pass up! This card has one of the best reward programs that I’ve seen, with huge rewards such as 5% back on gas purchases! The interest rate of 9.99% is also fairly low for a rewards credit card. Although you need excellent credit to get this card, I believe that it is very worth it when you are able to get it. I long grace period and relatively low late fee are also comparable to other rewards cards. Try and apply for this card even if you don’t think you have the credit!
If you spend a lot on groceries, you might want to invest in the Dillard’s Credit Card! The main benefit of this card is that it awards you points back on any purchases you make; these points can then be used for money off at Dillard’s when you shop. While this may seem like a great deal, I am aware of other grocery chains that offer cards with lower interest rates than the 13.24% minimum the Dillard’s card has, such as Raley’s/Bel Air. If Dillard’s is your favorite and you always shop there, this is pretty useful, but I would look around for other offers from grocery stores as well.
The Sunoco Gas card is an interesting card that does have some benefits, to say the least. It would appear that this is only (or primarily) a gas card, meaning you can only use the card for gas purchases. If you do this, there are some moderate benefits to be had; depending on how much you fill up, you can save more on your next purchase. While this may be a useful card if you go to this specific gas company frequently, the actual benefits require huge amounts of gas, way more than the average family uses in a month! It may look good, but this is probably only useful if you use gas in bulk.
The CITGO Gas card is not a credit card that I would like to have. The first thing that is noticeable about this card is the huge 24.99% interest rate on any purchases made with the card. That is way too much compared to other deals! While the card does allow you to earn some rewards back on gas, lowering the amount per gallon when you fill up, there are much better offers that give back more without the huge interest rate. I wouldn’t touch this one with a ten foot pole. Unless five cents per gallon is really important to you, stay away!
I would try and avoid using the University of Massachusetts Amherst card unless you really need it. It does appear that this card does have good benefits to students of the university, as miles are rewarded back on the card based on purchases they make at the bookstore and other local places. However, a high normal interest rate after the introductory period means that you may not want to use this card for every purchase you make. If I were a student at University of Massachusetts Amherst I may invest in this card, but use it sparingly and only at places that I know I would get miles back.
A quality credit card is the US Bank FlexPerks Cash Rewards Visa. I think that this card is worth it because of the generous rewards program it allows for and the 15 month introductory period for the 0% interest rate, which is longer than most other credit cards. However, after this period the rate is pretty high, especially for individuals with excellent credit. Additionally, the late fee and overlimit fees are pretty high, which make me wary of using this card without keeping an eye on it. I do think I would get enough use out of the first 15 months of the card to justify applying for and using it.
The Atlantic Stewardship Bank Visa Platinum card seems like a decent deal, at least for a small amount of time. The first year 0% intro rate is a standard feature of this card that doesn’t make it stand out, but definitely makes it worth your while. However, a lack of other features make it less desirable than other cards. Most notably, there is no rewards program, and the interest rate after the first year is quite high, especially for an individual with excellent credit. I’d say that if you have great credit, there are most likely better options out there for you.
I’m not sure that the SunTrust Travel Credit Card provides anything that makes it special. The introductory 0% rate is extremely nice, but after that your interest rate skyrockets to anywhere from 15-21.99%! That is simply too much for me! That’s the most important part of the card for me, and I’m not sure anything else can redeem such a high rate. There are some cool features, like paying damages to rental vehicles and double points on meals outside the house, but I just can’t justify spending with such a high interest rate. Stay away from this one if you can!
I am highly considering using the First Federal Bank Credit Card. The best thing about the card that stands out to me is the 7.15% interest rate; this is simply amazing for a credit card! However, the fact that you need excellent credit to apply and use the card most likely means that someone using this card is already experienced with paying back on cards and has earned this really low interest rate. The lack of an annual fee and an almost month long interest rate makes this a card I would love to have. If only I had the credit!
The Sheetz Credit Card seems like a standard credit card with some benefits, but drawbacks as well. The rewards program seems to be lucrative and allows for easy customization, but the lack of an initial bonus kind of turns me off to the program. I also don’t like that there isn’t a lower interest rate when you begin using the card. However, all of the rates seem to be standard and fair for a credit card, and the 3 week grace period seems to be very lenient to me. While this card is nice, it doesn’t stand out enough to make me switch from my current Union Bank credit card.
The KeyBank Platinum Credit Card looks like a great deal. The two things that really stand out to me are the 0% introductory rate (which lasts an entire year!) and the lack of an annual fee. While the rate after the intro year does seem a little high, I can see myself using this card very frequently, especially with the rewards program set in place for the card. Earning a point for every dollar you spend sounds like a great deal! I will be asking my bank about this can very soon, even though the interest rate on my current card is less.