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The Amazon.com credit card is a great rewards card. The rewards, initial discount, and interest rate are all a little bit better than my Walmart card. I do not like how high the max penalty APR is, but that’s just one small hiccup. Even if you never use the card a single time, it’s worth getting this card for the $30 discount bonus off of your purchase. I plan on applying for this card as I am a frequent shopper on Amazon.com and this card would end up saving me a lot of money as well as continue to help my credit build.
The American Express Prepaid Card is leagues beyond most prepaid cards. I’ve tried other prepaid cards such as generic Visa prepaid cards and Walmart cards, but they’re often riddled with fees and are expensive to use. The American Express Prepaid card doesn’t have many fees and is much more fair than other prepaid cards. They even give 1 free ATM withdrawal each month which isn’t something that’s common among other prepaid cards. At just $2 per withdrawal after the first, it’s less than others like the moneycard that I’ve used in the past. Many cards charge up to 3-5 dollars to use the ATM.
The Best Buy credit card has average rewards for a store card. The interest rate is better than my Officemax and Walmart cards. My Walmart card’s cash advance rate is cheaper and the rewards are better and more flexible. This card would be good for someone who shops almost exclusively at Best Buy for electronics, but would not be ideal for anyone else. I tend to shop around for electronics and am not loyal to any one store, so this card wouldn’t have many benefits for me. I also do not like that the max penalty APR is so much higher than the regular rate.
The First Premier card is a card that I have some experience with as my credit was once very poor. This card has many fees such as the processing fee, annual fees, etc. The interest rate is extremely high. The terms of a BoA secured card or a Capital One card are much better and are also designed for people with poor credit. My Capital One card has no annual fee, no processing fee, a lower interest rate, and has cash rewards. I would never consider getting this First Premier and would suggest that everyone try other alternatives before going for this card.
The Express store card is a lot like other store cards. The rewards system and interest rate are similar to my Gap card. It’s a little disappointing in that it doesn’t have an initial bonus like other cards such as Gap. Although the interest rate is kind of high, it won’t increase on you if you make a late payment which is something that I’ve dealt with in the past with other cards. If this card had cash back rewards and an initial bonus, I’d give it 5 stars, but I’m going to have to give it 3 for just being average.
The Lowe’s store card is a great card with a very high 5% cash back reward. The card also allows you to trade your 5% reward for the option of no interest financing for a specified period of time. The flexibility of this card’s rewards makes it much more attractive than the Home Depot card as that card only has the financing option. I will definitely apply for this card and would strongly suggest that everyone have a card like this as it can be used in emergency situations when your big appliances fail and you need a replacement immediately. The zero interest perk makes this an attractive card for any homeowner as you can’t afford to take those risks.
The Victoria’s Secret Store card is a great store card overall. I have other store cards like Gap and Walmart which have comparable rewards systems and interest rates. If you or your wife shop at Victoria’s Secret, I think this card could be worth it as you can always pay off the balance in full each month and still take advantage of the rewards and discounts offered. If this card had cash back rewards instead of the point system, I would give it 5 stars. I think I will recommend this card to a couple of friends whom I know would take advantage of its perks, but it’s not for me.
The Chase Sapphire card has an incredibly low interest rate compared to most cards. I don’t prefer this bonus system of this card over my other cards such as Bank of America or Capital One cash back cards, but it may be worth the switch to save on interest since I do tend to carry balances. The penalty rates and fees are a bit high for this type of card. I’m considering applying for the Chase Sapphire so that I can transfer my balances from other cards and save money each month on interest. Overall I think this is a good card for people who don’t mind the reward system.
The Banana Republic Credit Card is pretty much exactly like my Gap card. The initial bonus is a little higher than my Gap had when I signed up, but other than that, the terms are the same. The rewards system is ok, and the interest rate is mediocre. If you don’t have a store card with any of the companies under that particular umbrella, I’d recommend getting one. They’re all pretty much the same, and they have great benefits if you get clothes from any of the retailers. I often use mine to get school clothes and pay it off over the course of the semester.
The Target store card has great benefits that are comparable to most other store cards.. I have other store cards such as Walmart and Gap cards, and their terms and rewards are similar to Target. The cash back rewards of the Target card are preferable in my opinion as I tend to prefer that type of reward system. The interest rate is a bit lower than most store cards as they usually are for the subprime market. I would consider getting this card and would recommend it to someone who shops at Target as the rewards are excellent for this card type.
The JCPenny store card has benefits that are far beyond what most store cards offer. I have other store cards such as Walmart and Gap cards, but neither stack up to JCPenny’s card. The 20% initial discount is twice what I get with Gap and it also has a reward system. The interest rate is a bit high though, but as long as you pay your balance off each month it wouldn’t matter. I would definitely recommend this card to a family member or friend who shops at JCPenny as it clearly has great benefits for those who don’t keep a balance on their cards.
The Chase Freedom Visa is a great rewards card that is leaps beyond my other cash back cards such as my Capital One and BOA rewards cards. The $100 cash back bonus plus the potential to earn 5% cash back are great features of this card. It also has a 0% intro rate for 15 months while most intro rates last for 6 months or less. The interest rate is also pretty low for a card of this type and is much lower than my other cards. This is one of the best cards that I have seen and I will definitely be applying for it.
The Union Plus is a standard rewards card. Although the rewards aren’t anything to brag about at only 1.5%, it is nice to save money. The card also features no annual fee, 0% interest for 12 months, and a low interest rate. I have a Capital One rewards card which has similar terms but a higher interest rate. I love cash back cards like this and since my credit has improved since getting my Capital One card, I may try applying for this Union Plus card. The lower interest rate and 0% intro rate are great features that make it worth trading in another card for.
The Capital One Venture Rewards card is similar to my US Airways premier world mastercard except the initial bonus is lower at 10,000 miles versus 40,000 and the interest rate is lower. If you don’t travel all that much but still wants a miles card, then Capital One is definitely better with the lower interest rate and lower annual fee, but if you travel a lot and want great bonuses then the US Airways card is best. I do have a different Capital One card and love the image card feature which lets you customize the image on your card to any picture that you own. It’s great for parents who want a picture of their child on the card!
I have a Capital One unsecured card which is similar to this secured card in terms although it has no annual fee. I had an Orchard bank secured card in the past which I used to build up my credit so that I could get unsecured cards. That’s all this type of card is really good for. If you can get an unsecured card with better terms, you’re much better off doing that. If you’re just starting out, a card like this may be your only option which is better than some other options out there as Capital One is a major company and your information is more secure.
The Ann Taylor credit card is a lot like my Gap card, except my Gap card only gave an initial 10% bonus. The rewards and interest rate are similar. I think it’s cool that they give you a discount on your birthday month. I wouldn’t buy anything from Ann Taylor, but I could see myself buying gifts for family members. It would be nice if the birthday month discount was just a general once a year type thing so that men could take advantage of it when buying gifts for others. I don’t believe I will be applying for this card as I don’t have much use for it, but if I was a woman, I would get it.
Slate from Chase is a great card based on the terms. The 0% intro rate for 15 months is a huge deal as most companies offer intro rates for shorter periods. This card is similar to my Bank of America Visa card as both have similar interest rates and fees. I am considering applying for this card as I could definitely use the 0% interest for some big upcoming purchases that I’d rather pay for over time. I could even save a lot of money by transferring my other card balances to the Slate from Chase card and avoid interest for the next 15 months.
The Kohl's store card is a great card overall. The terms are much better than my Gap card. Not only is the interest rate lower on the Kohl's card, but the intro 15% discount is better than the 10% that you get with Gap. The Kohl’s card also gives extra discounts throughout the year. The promotions with my Gap card are rare and sporadic which I do not like very much. The max penalty APR on this card is equal to the regular APR for Gap. I plan on applying for this Kohl’s card and will recommend it to family who are looking to save money when purchasing clothes.
I just received my Capital One Quicksilver cards in the mail. I actually have two of them. This is the replacement for Orchard Bank cash rewards as many of you may know, Capital One bought out Orchard Bank. I am extremely happy that there is no annual fee while I get to keep my same rewards. The reward payout has much better options than most companies as you can cash out any amount at any time by either check or applying it to your account. Overall I am very pleased with this card and would highly recommend them to people who are building their credit.
The Citi Platinum Select AAdvantage World Mastercard has an average interest rate compared to other prime cards. I have a better interest rate with my Bank of America rewards card while also having much more flexible rewards in the form of cash back. The rewards of this card are great for people who travel a lot, which doesn't apply to most people. The cash advance rate and fee for this card is more expensive than most other prime cards as well and is similar to sub-prime cards such as Capital One rewards card. Overall this could be a good card for someone who travels extensively, but the benefits of other prime cards would result in greater savings for the majority of people.
The Sheetz card does not match up to some other cards in the same class. I have a Bank of America cash back card that has a lower interest rate, better rewards, and a lower balance transfer fee. I think this would be a good card for people who don’t have perfect credit and can’t get something better, as long as they’re not really concerned about the rewards which seem sub-par. While my Bank of America cash back card and other rewards cards aren’t quite so restrictive, Sheetz limits you to spending their rewards inside their store. While that’s understandable given their business, it’s not great for the consumer.
The NYU University Alumni American Express card is a pretty standard prime card. The interest rate at 12.99-22.99% is average for this type of card, but one thing that I really love is the intro rate. 0% interest for 12 months is a great deal. I’ve had other cards in the past that had an intro rate, but never 12 months long. The rewards are good, but not as good as cash back. I prefer my Bank of America cash back card rewards over NYU University Alumni American Express point rewards which really limit what you can do with your reward. Overall, I think this is a good credit card and will consider applying for one, but if you’re looking for a rewards card specifically, you should consider other options.
The terms of the First Federal Bank credit card are excellent. The interest rate is only 7.15% and there’s only a 2% cash advance fee. I have many other credit cards including prime and subprime cards. My Bank of America cash rewards card has a hefty 13% interest rate and charges 5% for cash advances. I much prefer the terms of the First Federal Bank card. This card also only has a $6.80 late fee where most cards, including my Bank of America card charges 20-35 dollars. I plan to apply for this card and recommend it to friends and family who are looking for a card. I don’t think there’s a better deal out there.
I've been a long time customer of Capital One and currently have 4 of their cards including the Venture card. There's no annual fee which is a big plus as most sub-prime cards require an annual fee. Capital One is a little hard to get credit limit increases from, but that's common with most companies now after the recession. In a few years, it will probably pick back up. Overall I've had nothing but good experiences with Capital One and with my Venture card.