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Two years ago while I was living in Idaho I was in an accident that totaled my car. Because I was away from home I had to find a local office and agent with American Family Insurance to work with on getting everything taken care of. Zachary Hillman and his whole office were fantastic to work with. They took me through each step of the insurance claim process and made sure I understood everything involving my options for taking care of my car and my future insurance needs. I didn't have to stress at all because he knew what he was talking about and knew exactly where to direct me to get things fixed up for me in a timely manner. He also worked with my old insurance agent where I used to live making sure I still had all the right coverage I needed.
If you're a musician and plan on making lots of music related purchases then the Guitar Center Store card will be helpful to you. It doesn't offer many incentives or bonuses other than special financing on certain brands. The interest rate isn't anything to go crazy over but it isn't ridiculously high. There is no cash advance which takes the cards value down a bit for me. There aren't any late fees or any over limit fees so that's one plus. Other than that if you aren't super into music and plan to make lots of purchases perhaps look somewhere else for a card. Places like Best buy have store cards and a lot of the same music type stuff you might be looking for and they offer better incentives
The JetBlue Credit Card has the lowest annual fee for any airlines card I have ever seen. The Southwest credit card has a fee of either $69 or $99 depending on what card you get and they start the moment you get the card. The JetBlue card doesn't have one for the first year so that's a HUGE plus. The bonus points for this card are a little lower but they also offer other incentives when you buy vacation packages with them. You also get discounts on in-flight purchases while traveling. The interest rates and fees are like most other cards. This card is set apart by the rewards you can earn.
The BankAmericard Power Rewards Visa Signature Card has no annual fee and offers a $50 bonus for signing up. Compared to the Chase Sapphire preferred card you get a lot more with this card and have to do a lot less. The Chase card requires you spend a certain amount within three months to earn your bonus. With the BankAmericard you also earn points each time you shop for gas or groceries. You'll really rack up points this way and there isn't a limit on points you can earn so you can just keep spending and earning. Other than that the interest rate and other fees seem pretty run of the mill.
With the NFL Credit Card you can earn 10,000 Bonus Points after you spend $500 within the first 90 days. That's so great! For most cards, like the Hyatt Credit card you have to spend at least $1000 so the $500 seems like a great deal. You can also get 20% off at the NFL shop. You can spend your points on travel and on other football related items. The interest seems pretty basic compared to other credit cards, but the cash advance rate is pretty high up there. You keep earning points when you spend on everything NFL related so this is a great card for a football enthusiast.
If you're going to be traveling a lot then the Hyatt Credit Card might be just right for you. You can receive two free nights after you spend $1000 within the first three months. If you're doing a lot of traveling and staying in hotels spending that probably won't be hard at all. You also get a free night every year you have the card. It's a nice incentive. The interest rate isn't too high, but make sure you keep in mind the annual fee. The cash advance rate on this card is much lower than say the Chase Freedom Visa. That'll be helpful when traveling as well. Looks like a good card for the seasoned traveler.
The Western Union Prepaid MasterCard is great because there are no monthly fees or overdraft or late fees. This is helpful to someone who has never used a credit card before and needs the experience and credit building to get started. If you aren't going to be using the card for a long time make sure you cancel it because the inactive fee could really build up and end up costing you a lot. The Visa Prepaid Credit Card offers a bonus for signing up for direct deposit, while this card has no offers or bonuses attached to it. Overall it seems like a good card to use for people just getting started with credit.
While the Lowe's Store Card doesn't come with lots of bells and whistles it's definitely a card to have if you're planning on doing some major home repair or remodeling or needed to make a big purchase for something in your home. It has a pretty basic interest rate, but if you love to shop at Lowe's then the card is worth it. I always go to Lowe's because they have quality stuff and are always able to help me out. They also have special financing for purchases over $299, or you can get a 5% bonus. There is also no annual fee so that's a huge plus if you already have to spend lots of money on your home.
I feel like the Carnival Credit Card isn't going to be useful to just anyone. You have to be planning on taking quite a few cruises in order to really get anything out of it. There's an initial bonus of 5,000 points which is great for getting you on your way. I’d rather get some kind of airline card like the British Airways card and rack up points for flights so I wasn't limited just to cruises. I guess this card would be more helpful if you're already on a cruise and you are making a lot of purchases with the cruise line. You can get double points when buying with them and use points you already have to get fun things on the cruise. The interest rates are so-so and I don't see this being a very popular card.
The Menards store card offer an initial bonus of $10 off your first $100 purchase. That doesn't seem like a whole lot to me. Many store cards like the Kohl's card offer the same thing, but Kohl's does coupons year round, while the Menards card does an annual rebate of 2% on their store purchases and 1% on other sister store purchases. There's no annual fee so that's always a plus with a store credit card. You don't want to pay more in the annual fee than you would at the store. There isn't a late fee or an over limit fee which is a huge incentive for me.
I love airline rewards cards because who doesn't love to travel! The British Airways Visa Signature card seems pretty decent if you're one to travel a lot. It offers a great initial bonus of 50,000 miles unlike that Southwest Credit card that only offers 25,000 points and those don't add up to the miles you'd get. You can also earn miles with the British Airways Visa on other purchases you make every day. This card has the advantage of not having an annual fee for the first year, but I've found that most airline cards have them at some point. The interest rate seems pretty low or if you're going to just pay off your purchase right away that’s even better. Overall this seems like a great card if you plan to travel often.
The Discover More Card seems to be missing a lot of incentives that other cards like the Chase Sapphire Card offer. The Chase card offers a huge initial bonus and the Discover more card has no bonus. The only thing that sets it apart is that you can get 5% cash back on things such as gas and groceries. That'd be helpful because you always have to buy those things, and you can also get 1% cash back on other things. There is also no annual fee so that's great, but it just seems like any other basic card out there you could get.
The Blue Sky from American Express card has no annual fee! That's almost always the first thing I look for when I am looking into credit cards. It seems to me that if you are already spending money with a card then you shouldn't have to pay even more each year. The initial bonus for this card seems pretty nice. It's in point though unlike the Chase Freedom card which gives cash as an initial bonus. The interest rate seems typical to any other card out there, but the cash advance rate seems pretty steep. The best part is that you can keep earning bonus points to put toward travel which is great. Overall this is not a bad card but if you’re looking for a good travel rewards card take a look at the Southwest card. It has better bonuses.
The Southwest Airlines Rapid Rewards card is a great card to have if you're looking to earn towards flights or if you travel a lot. The signing bonus reward is pretty nice because you get 25,000 points to put towards flights after you spend $1,000 in the first three months. If you're going to have to pay bills and such then that isn't too hard. The only part that drives me crazy about this is the annual fee. It's pretty steep. You get extra points if you use the card to buy your Southwest airline tickets so that helps rack them up even faster. Overall I'd say this card is only useful if you're planning on taking some trips. If not then it won't be much good at all and the fees aren't worth it.
The Ink Bold Business card has a really decent initial bonus for first signing up. You get 50,000 points if you spend $5,000 in the first three months. If you are planning to purchase quite a few things for your business that's a pretty good deal compared to other cards like the Capital One Spark Select Business Credit Card that doesn't offer any bonus points up front. It is a bit of a hassle that there is an annual fee after the first year, and it's pretty high, but if you factor in the bonuses it would probably make it worth it. It's also great that you can earn 5X rewards points on things like cell phones, office supply purchases and more. It's a great card for a company or business looking to up their payoff.
The Cabela's Credit Card is a great card, especially when first using it, because of all the rewards you can earn. If you shop here a lot then it's going to be really beneficial. The $25 club rewards that you get to put towards your first purchase is great and then you keep earning points as you keep spending. There's no annual fee which is always a plus in my book since cards like the Southwest Credit card require those. Keep your money! The interest rate isn't too high either which sells the card even more. If you love shopping at Cabela's this seems like a great investment.
The Macy's Store Card can be a really good card to start out and if you shop at Macy's all the time. I don't so I've found that it's almost useless to have sometimes. The 20% off your first purchase is a fun deal and helpful if you're going to make a big purchase. I am able to pay off any purchases I do make with the card right away so the interest rate isn't a big deal for me but it's kind of up there if you can't pay right away. It's not a terrible card but it's nothing to get really excited about either. I'm glad I have it when I need to shop there, but other than that it's not really something I think about much.
I shop at Ann Taylor a lot so the Ann Taylor Credit Card is an exciting thing. The initial discount you get when first signing up is great and then you can keep earning rewards after that. The best part is there isn't a limit of the amount of bonus points you can earn. Discount coupons also start coming in the mail once you sign up for the card. The interest rate is kind of high at 24%, but if this is a card you want to pay off as you spend then it won't be a problem. Another plus, no annual fee! Keep that money in your pocket. This card doesn't stick out among other stores like Gap, or Kohl's, but if you love Ann Taylor it might be a card worth getting.
The New York & Company card reminds me a lot of the Kohl's Store card. You get all kinds of saving throughout the year and specials savings for your birthday too, which is a fun perk. The bonus for the New York & Company card is that you earn points for every purchase you make and as the points add up you can get rewards in the form of cash or gifts. If you are a frequent shopper at New York & Company you could end up getting some really great things. There is no cash advance which is a really popular thing for most cards right now but it also doesn't have an annual fee which is a huge plus.
The first thing I noticed about the Capital One Venture Rewards Credit card was the rewards program is only helpful to someone who travels often. If that's the case then hooray because you can get lots of bonus miles for the purchases you make. I thought it was interesting that the annual fee is $0 for the first year and then $59 after that. If there was no annual fee this card might hold up better. A nice plus to the card is that the APR rates seem a lot lower than other cards such as the Citi Simplicity card. I've also never heard of a credit card coming with 24-hour roadside assistance so that was interesting and kind of a cool perk. It doesn't look like a terrible card if you travel a lot and want to earn some bonus miles.
I have had the Wal-Mart Credit Card for almost a year now and I like it for the most part. The $20 bonus for signing up was helpful and saved me money on a big purchase I was making. The best part about the card is that it helps you save money on gas. Usually you can save at least $0.05 to the gallon but often times they will do a promotion where you can save as much as $0.15 to the gallon. Gas is so expensive right and it's helpful to get discounts where you can. Another nice feature is that there is no over limit fee. As long as you keep paying your monthly bill they don't charge you anything. The interest rates are about average and not super fantastic, but nothing to complain about either. If you shop at Wal-Mart a lot then this is a great card to invest in.
The Citi Simplicity Card looks like it has many great features. The first thing I noticed was that there is no annual fee. That's great for a credit card because there are many out there like the Southwest Credit Card that requires an annual fee of at least $69. No fee means you keep more money in your pocket. The 0% APR for 18 months is also a great thing. A lot of the times with credit cards it's the interest that really gets you in the end. I can't believe there are no late fees! It's hard to find a card anywhere that doesn't have late fees but that is what sells me on this card. It looks like a great deal.
I have loved having the Kohl's Store Card. It's a great card for anyone who shops at Kohl's a lot for clothes and other housing needs. You get a 15% discount when you first sign up and then you continue to receive many different coupons in the mail throughout the year. I have saved so much money because of these coupons. I probably save an average of $50 when I used my Kohl's Card and coupons combined every time I go into the store. The APR is not bad at all and there is quite a low limit on the card to begin with so you don't go overboard. Some people might find this annoying but I found it very helpful as I was trying to build up my credit. I'd recommend this card to anyone who shops at Kohl's often because it will save you tons of money in the end.
I was very excited to find out about this Wells Fargo Rewards Credit card because I bank with Wells Fargo. It got me excited about the rewards program because if you're going to have a credit card I think it should have some good incentives. I like that there is no annual fee because many cards now days like the Southwest Credit Card require a steep annual fee to use their card. From what I know about credit cards the APR seems pretty good, though the cash advance rate seems pretty high. This seems like a great card to use to buy smaller things and build up your credit that way, instead of needing a card to buy big things that you can't pay off quickly.
The big plus on this Sears Credit Card is it allows you to take part in different discounts and sales that the store has each month. Other than that is just seems like another credit card. Places like Macy's and Kohl's do the same things with there cards. The discounts are only helpful if you have something you need from this particular store. It would be great if they would offer rewards and then this card would have a leg up on other similar cards. The APR isn't too much higher than I've seen with other cards so no big deal there.
We've had Home Depot Store Cards in our family before and they have always been very beneficial. If your house is like ours it is always in need of some fixing up and the Home Depot Card is a great way to make sure you can do that without going way over on your monthly budget. There aren't any incentives like bonuses or anything like that but the APR isn't too high, though it's higher than the Lowe's Business card. The no interest if paid within 6 month option is a great deal. It does require a certain dollar amount to receive that deal but if you're going to make a big purchase it's very helpful.
The discount opportunities for the JCPenny Store Card are fantastic. Other cards from different stores such as the Kohl’s Card, or the Wal-Mart Card don't offer anywhere near that kind of discount. The ability to earn $30 each month is great too. It's like putting money in your pocket, which I'm sure we could all use once in a while. The APR seems a bit higher than other cards I have seen in the past but with the offers it makes it worth it. If you're going to just pay it off right away then the APR shouldn't be a big problem. It seems like a good card to help build up your credit and get some great deals in the process.
I love that the Direct Express Prepaid Card makes it so much easier to use your money and not have to bother with checks. Those can be such a pain and it's so much nicer to have a card that can do all of that work for you. There are also no fees besides the ATM fees (which are hard to get away from these days) so that's a nice plus. Though there are ATM fees they aren't too high. It also works for online shopping too which makes it even more convenient. MasterCard is definitely expanding so it's a good name to have with a card like this. There are many cards out there like Prepaid Visa's and I know you need to know the exact amount that is on them in order to use them in stores. It looks like that isn't a problem with this MasterCard and that is very helpful.
The Blue Cash Preferred Card from American Express has great bonus offers and the interest rates look good as well. I really love that it comes with a 15 month no interest rate introductory offer. That's definitely something that will be helpful. Other cards like the Wal-Mart Credit Card also offer deals like that with a 6 month no interest rate, but I've never seen one with one as long as 15 months that this Blue Cash card offers. The rewards for using the card at US supermarkets is great too because everyone has to shop at the supermarket. It's a card that can be helpful to everyone.
I signed up for the Amazon Store Card when I was a senior in college and wish I had done it earlier! It was a great way to pay for my books and be able to pay them off slowly without taking huge chunks of money out of my pocket all at once. Amazon is already a place to get really good deals, but with this card it's even better. When you sign up you get a $10.00 credit which is great and it goes toward your first purchase. The APR rates are really good as well and getting approval for the card is instant. I've really enjoyed having the Amazon Store card and being able to get the things I want and need really easily.
The bonus points for the Hilton Credit Card are an awesome benefit to this card, especially if you are a traveler. It's also great that there is no annual fee. There are so many cards out there like the Southwest cards that have an annual fee and that kind of takes away from the great experience of having the card. There aren't any crazy fees that you have to watch out for and the APR rates are pretty close to the other credit cards you could get today. Even the late fee is about standard which is great. It's an American Express which is great because they are always so easy to work with. Their customer service is wonderful and you know that you are always going to be able to work things out if there is a problem.
I've only had this credit card a short time but I love it! I love the rewards that come when you first sign up. I was able to take a couple trips with the bonus miles that the Southwest credit card offers. It was a bit of a let down that you had to spend some money before you receive the bonus miles, but if you are already going to spend the money it's easy. I'm also able to rack up more points anytime I want by simply making a purchase. The annual fee is a bit of a pain but if you use the card enough it's worth it for the miles you can earn. I'm also able to easily keep up on my expenses and keep track of purchases. I'd recommend this for anyone who is looking to earn some flying time through their purchases. It helps me take more trips and Southwest already has such cheap flights so it's an added bonus!
This credit union has a great customer service department. When I was with them I didn't have to call very many times to resolve a problem, but when I did it was so easy. A few times I have gone out of town without calling the bank to tell them I would be traveling. My card/account would be flagged and immediately someone from the bank would call to make sure that I was the one making the purchases out of state. It was really comforting to know that my card was secure and that I was taken care of. If my card ever had been stolen I would have been confident that it would have been taken care of very quickly and I wouldn't have to worry much at all. They were always on top of it. It was a little far away from my house, but worth the drive.
University First Federal Credit Union is a great place to bank. I was only with this bank a short number of months because I moved but I was impressed with how kind and helpful they were. The process to sign up was really easy and didn't take long at all. They got me started really quickly. They were very kind and explained everything I needed to know and tried to answer my questions as best as possible. Every time I went into the bank to make a deposit or anything else they always greeted me and made sure that my experience was really positive. Even there drive up lanes were quick and easy to use and the employees always made sure to ask how I was doing rather than just ignoring me because I wasn't actually speaking to them face to face. I felt very at ease banking here.
Community Financial Credit Union is one of the finer credit unions I have done business with. The people who work there are always kind and considerate and willing to work with you on anything you may have questions or concerns about. If you find a problem with your account they will sit down with you or spend as much time as needed with you on the phone to resolve the problem. If any suspicious activity is showing up on your account they will follow up with you to make sure there are no problems going on. This helps to make me feel very safe about who is dealing with my money. I don't have to pay a fee on any of my accounts to keep them open which is nice because I need all the money that I make. They make me feel like I am a part of an organization I can trust.